/* =========================================================================
   ANA Legal Funding — Homepage styles  (v3 · photographic law-firm)
   depends on tokens.css
   ========================================================================= */

section { position: relative; }
.section-pad { padding-block: clamp(64px, 8vw, 116px); }

/* Anchor jumps clear the sticky header instead of hiding beneath it. */
#how, #cases, #faq, #about, #apply { scroll-margin-top: 90px; }

/* <picture> is a layout-transparent wrapper — the styled <img> inside behaves
   exactly as its class dictates (absolute bg, sized photo, etc.). */
picture { display: contents; }

/* Full-bleed dark photographic band */
.band-dark { position: relative; color: #fff; overflow: hidden; background: var(--navy-800); }
.band-bg { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.band-scrim { position: absolute; inset: 0; background: linear-gradient(180deg, rgba(20,28,40,0.66), rgba(20,28,40,0.58)); }
.band-dark > .container { position: relative; z-index: 1; }

/* ================= HEADER ================= */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(40,53,70,0.96); border-bottom: 1px solid rgba(255,255,255,0.10); }
.header-inner { display: flex; align-items: center; gap: var(--space-5); height: 78px; }
.brand { display: flex; align-items: center; gap: 13px; flex-shrink: 0; }
.brand-name { display: flex; flex-direction: column; align-items: center; gap: 6px; }
.brand-word { font-family: var(--font-display); font-weight: 600; font-size: 1.5rem; color: var(--gold-400); letter-spacing: 0.09em; line-height: 1; }
.brand-word i { font-style: normal; color: var(--gold-400); margin: 0 0.5px; }
.brand-name small { display: flex; align-items: center; gap: 9px; font-family: var(--font-head); font-weight: 600; font-size: 9.5px; letter-spacing: 0.34em; text-transform: uppercase; color: var(--navy-200); }
.brand-name small::before, .brand-name small::after { content: ""; width: 14px; height: 1px; background: var(--gold-500); }
.nav { display: flex; align-items: center; gap: 2px; margin-inline: auto; }
.nav a { font-family: var(--font-head); font-weight: 600; font-size: 12.5px; letter-spacing: 0.08em; text-transform: uppercase; color: rgba(255,255,255,0.82); padding: 9px 14px; transition: color .15s; position: relative; }
.nav a::after { content: ""; position: absolute; left: 14px; right: 14px; bottom: 2px; height: 1.5px; background: var(--gold-500); transform: scaleX(0); transform-origin: left; transition: transform .2s ease; }
.nav a:hover { color: #fff; }
.nav a:hover::after { transform: scaleX(1); }
.header-cta { display: flex; align-items: center; gap: var(--space-4); flex-shrink: 0; }
.callbar { display: inline-flex; align-items: center; gap: 10px; font-family: var(--font-head); font-weight: 600; color: #fff; font-size: var(--fs-body); }
.callbar .ms { color: var(--gold-400); font-size: 20px; }
.callbar small { display: block; font-family: var(--font-head); font-weight: 600; font-size: 9.5px; letter-spacing: .16em; color: var(--navy-200); text-transform: uppercase; line-height: 1; margin-bottom: 4px; }
.callbar .num { line-height: 1; font-size: 1.02rem; white-space: nowrap; }
.hamburger { display: none; width: 46px; height: 46px; border: 0; background: transparent; cursor: pointer; place-items: center; color: #fff; border-radius: var(--r-sm); transition: background-color .15s ease; }
.hamburger:hover, .hamburger:focus-visible { background: rgba(255,255,255,0.08); }
.hamburger .ms { font-size: 26px; }
.call-icon-btn { display: none; width: 46px; height: 46px; background: var(--gold-500); color: var(--navy-900); place-items: center; }
.call-icon-btn .ms { font-size: 22px; }

/* Mobile dropdown menu — animated slide-down with staggered items. */
.mobile-menu { display: none; flex-direction: column; gap: 0; padding: 0 clamp(20px,5vw,44px); background: var(--navy-800);
  overflow: hidden; max-height: 0; opacity: 0;
  transition: max-height .34s cubic-bezier(.4,0,.2,1), opacity .26s ease, padding .34s cubic-bezier(.4,0,.2,1); }
.mobile-menu a { font-family: var(--font-head); font-weight: 600; font-size: 14px; letter-spacing: .08em; text-transform: uppercase; color: #fff; padding: 16px 4px; border-bottom: 1px solid rgba(255,255,255,0.10);
  opacity: 0; transform: translateY(-8px); transition: opacity .25s ease, transform .3s cubic-bezier(.4,0,.2,1); }
.mobile-menu a:last-of-type { border-bottom: 0; }
.mobile-menu .btn { margin-top: var(--space-4); }
.mobile-menu.open { max-height: 420px; opacity: 1; padding-top: var(--space-3); padding-bottom: var(--space-6); border-bottom: 1px solid rgba(255,255,255,0.10); }
.mobile-menu.open a { opacity: 1; transform: none; }
.mobile-menu.open a:nth-child(1) { transition-delay: .08s; }
.mobile-menu.open a:nth-child(2) { transition-delay: .13s; }
.mobile-menu.open a:nth-child(3) { transition-delay: .18s; }
.mobile-menu.open a:nth-child(4) { transition-delay: .23s; }
.mobile-menu.open a:nth-child(5) { transition-delay: .28s; }

/* ================= HERO (full-bleed photo · lighter scrim) ================= */
.hero { position: relative; overflow: hidden; background: var(--navy-800); color: #fff; }
.hero-bg { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; filter: blur(2.5px); transform: scale(1.04); }
.hero-scrim { position: absolute; inset: 0; background:
  radial-gradient(135% 125% at 16% 48%, rgba(10,18,32,0.66) 0%, rgba(10,18,32,0.46) 26%, rgba(10,18,32,0.24) 48%, rgba(10,18,32,0.07) 66%, rgba(10,18,32,0) 80%); }
.hero-inner { position: relative; z-index: 1; display: grid; grid-template-columns: 1.1fr 0.9fr; gap: clamp(36px, 5vw, 80px);
  align-items: center; padding-block: clamp(56px, 7vw, 104px); }
.hero-copy { max-width: 620px; }
.hero-eyebrow { display: inline-flex; align-items: center; gap: 11px; font-family: var(--font-head); font-weight: 700; font-size: 12px; letter-spacing: 0.2em; text-transform: uppercase; color: var(--gold-400); margin-bottom: var(--space-5); }
.hero-eyebrow::before { content: ""; width: 28px; height: 1.5px; background: var(--gold-500); }
.hero h1 { font-family: var(--font-display); font-weight: 500; font-size: var(--fs-display); color: #fff; line-height: var(--lh-tight); letter-spacing: -0.012em; text-shadow: 0 2px 22px rgba(10,16,28,0.55); }
.hero h1 em { font-style: italic; color: var(--gold-400); }
.hero h1 .dot { color: var(--gold-500); }
.hero-sub { margin-top: var(--space-5); font-size: var(--fs-lead); color: rgba(255,255,255,0.92); max-width: 36em; text-shadow: 0 1px 16px rgba(10,16,28,0.55); }
.hero-trust { display: flex; flex-wrap: wrap; gap: 8px 22px; margin-top: var(--space-6); }
.hero-trust span { display: inline-flex; align-items: center; gap: 8px; font-family: var(--font-head); font-weight: 600; font-size: var(--fs-sm); color: #fff; }
.hero-trust .ms { color: var(--gold-400); font-size: 18px; }
.hero-rating { display: flex; align-items: center; gap: 11px; margin-top: var(--space-6); font-size: var(--fs-sm); color: rgba(255,255,255,0.80); }
.hero-rating .stars { color: var(--gold-400); }
.hero-rating .stars .ms { font-size: 17px; }
.hero-rating b { color: #fff; font-family: var(--font-head); }

/* lead form */
.hero-form-col { width: 100%; }
.lead-form { background: var(--surface); border-radius: var(--r-md); box-shadow: var(--shadow-lg); overflow: hidden; }
.lead-form-head { background: var(--navy-800); color: #fff; padding: var(--space-5) clamp(20px,2.4vw,26px); border-bottom: 3px solid var(--gold-500); }
.lead-form-head .tag { font-family: var(--font-head); font-weight: 700; font-size: 11px; letter-spacing: .18em; text-transform: uppercase; color: var(--gold-400); }
.lead-form-head h3 { font-family: var(--font-display); font-weight: 600; font-size: 1.55rem; color: #fff; margin-top: 7px; line-height: 1.1; }
.lead-form-head p { font-size: var(--fs-sm); color: var(--navy-200); margin-top: 5px; font-weight: 500; }
.lead-form-body { padding: clamp(20px,2.4vw,26px); }
.field { margin-bottom: var(--space-4); }
.field label { display: block; font-family: var(--font-head); font-weight: 600; font-size: var(--fs-sm); color: var(--ink-900); margin-bottom: 7px; }
.field input, .field select {
  width: 100%; font-family: var(--font-body); font-size: var(--fs-body); color: var(--ink-900);
  background: #fff; border: 1.5px solid var(--line); border-radius: var(--r-sm);
  padding: 14px 15px; min-height: 54px; transition: border-color .15s, box-shadow .15s; }
.field select { appearance: none; cursor: pointer;
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='20' height='20' fill='none' stroke='%23283546' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'><path d='M5 8l5 5 5-5'/></svg>");
  background-repeat: no-repeat; background-position: right 14px center; padding-right: 42px; }
.field input::placeholder { color: var(--ink-400); }
.field input:focus, .field select:focus { outline: none; border-color: var(--gold-500); box-shadow: 0 0 0 3px rgba(210,162,76,0.22); }
.form-disc { display: flex; align-items: center; gap: 7px; justify-content: center; margin-top: var(--space-4); font-size: var(--fs-xs); color: var(--ink-400); }
.form-disc .ms { font-size: 16px; color: var(--green-600); }

/* ---- form validation + states (added for production) ---- */
.hp-field { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.field input[aria-invalid="true"], .field select[aria-invalid="true"] { border-color: var(--error-600); }
.field input[aria-invalid="true"]:focus, .field select[aria-invalid="true"]:focus { box-shadow: 0 0 0 3px rgba(179,38,30,0.18); }
.field-error { display: none; align-items: center; gap: 6px; margin-top: 6px; font-family: var(--font-head); font-weight: 600; font-size: var(--fs-xs); color: var(--error-600); }
.field-error .ms { font-size: 15px; }
.field.has-error .field-error { display: flex; }
.form-alert { display: none; align-items: flex-start; gap: 9px; margin-bottom: var(--space-4); padding: 12px 14px; border-radius: var(--r-sm);
  background: var(--error-050); border: 1px solid rgba(179,38,30,0.30); color: var(--error-600);
  font-family: var(--font-head); font-weight: 600; font-size: var(--fs-sm); line-height: 1.4; }
.form-alert.show { display: flex; }
.form-alert .ms { font-size: 19px; flex-shrink: 0; margin-top: 1px; }
.lead-form.is-submitting .btn[type="submit"] { opacity: .7; pointer-events: none; }
.form-success { display: none; text-align: center; padding: var(--space-6) clamp(20px,2.4vw,26px) var(--space-7); }
.lead-form.is-success .lead-form-body { display: none; }
.lead-form.is-success .lead-form-head { display: none; }
.lead-form.is-success .form-success { display: block; }
.form-success .ok-ic { display: inline-flex; align-items: center; justify-content: center; width: 64px; height: 64px; border-radius: 50%;
  background: var(--green-100); color: var(--green-600); margin-bottom: var(--space-4); }
.form-success .ok-ic .ms { font-size: 34px; }
.form-success h3 { font-family: var(--font-display); font-weight: 600; font-size: 1.6rem; color: var(--navy-900); margin-bottom: 9px; }
.form-success p { font-size: var(--fs-sm); color: var(--ink-500); max-width: 34ch; margin: 0 auto var(--space-5); }
.form-success .success-call { display: inline-flex; align-items: center; gap: 9px; font-family: var(--font-head); font-weight: 700; font-size: 1.05rem; color: var(--navy-800); }
.form-success .success-call .ms { color: var(--gold-600); font-size: 20px; }

/* ---- multi-step wizard ---- */
.wizard-progress { margin-bottom: var(--space-5); }
.wiz-meta { display: flex; justify-content: space-between; align-items: baseline; gap: 14px; margin-bottom: 9px; }
.wiz-stepnum { font-family: var(--font-head); font-weight: 700; font-size: 11px; letter-spacing: .16em; text-transform: uppercase; color: var(--gold-600); white-space: nowrap; }
.wiz-steptitle { font-family: var(--font-head); font-weight: 600; font-size: var(--fs-sm); color: var(--ink-500); text-align: right; }
.wiz-bar { height: 4px; background: var(--line); border-radius: 2px; overflow: hidden; }
.wiz-bar-fill { display: block; height: 100%; width: 20%; background: var(--gold-500); border-radius: 2px; transition: width .35s ease; }

.wizard-viewport { position: relative; }
.step-panel { border: 0; margin: 0; padding: 0; min-inline-size: 0; }
.step-panel + .step-panel { margin-top: var(--space-4); }       /* no-JS stacked fallback */
.step-panel .field:last-child { margin-bottom: 0; }

/* JS mode: one panel at a time, sliding right → left */
.wizard.is-wizard .wizard-viewport { overflow: hidden; transition: height .38s cubic-bezier(.4,0,.2,1); }
.wizard.is-wizard .step-panel {
  position: absolute; top: 0; left: 0; width: 100%;
  opacity: 0; transform: translateX(100%); pointer-events: none;
  transition: transform .38s cubic-bezier(.4,0,.2,1), opacity .28s ease;
}
.wizard.is-wizard .step-panel[data-state="active"] { opacity: 1; transform: translateX(0); pointer-events: auto; }
.wizard.is-wizard .step-panel[data-state="prev"] { transform: translateX(-100%); }

/* wizard nav */
.wizard-nav { display: flex; align-items: center; gap: 12px; margin-top: var(--space-5); }
.wiz-next { flex: 1; }
.wiz-back { display: inline-flex; align-items: center; gap: 7px; background: none; border: 0; cursor: pointer;
  font-family: var(--font-head); font-weight: 700; font-size: 12px; letter-spacing: .1em; text-transform: uppercase;
  color: var(--ink-500); padding: 12px 10px; transition: color .15s; }
.wiz-back:hover { color: var(--navy-800); }
.wiz-back .ms { font-size: 16px; transform: scaleX(-1); }
.wiz-back[hidden] { display: none; }

/* textarea + date inputs (match .field input styling) */
.field textarea { width: 100%; font-family: var(--font-body); font-size: var(--fs-body); color: var(--ink-900);
  background: #fff; border: 1.5px solid var(--line); border-radius: var(--r-sm); padding: 13px 15px; resize: vertical; min-height: 92px;
  transition: border-color .15s, box-shadow .15s; }
.field textarea::placeholder { color: var(--ink-400); }
.field textarea:focus { outline: none; border-color: var(--gold-500); box-shadow: 0 0 0 3px rgba(210,162,76,0.22); }
.field input[type="date"] { font-family: var(--font-body); color: var(--ink-900); cursor: pointer; }
.field input[type="date"]::-webkit-calendar-picker-indicator { cursor: pointer; opacity: .55; }

/* segmented Yes / No / Disputed toggles */
.seg-field { display: block; }
.seg-q { display: block; font-family: var(--font-head); font-weight: 600; font-size: var(--fs-sm); color: var(--ink-900); margin-bottom: 8px; }
.seg { display: flex; gap: 8px; }
.seg-opt { flex: 1; min-width: 0; margin: 0; }
.seg-opt input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.seg-opt span { display: flex; align-items: center; justify-content: center; min-height: 46px; padding: 8px 10px;
  font-family: var(--font-head); font-weight: 600; font-size: var(--fs-sm); color: var(--ink-700);
  background: #fff; border: 1.5px solid var(--line); border-radius: var(--r-sm); cursor: pointer; text-align: center;
  transition: border-color .15s, background-color .15s, color .15s; }
.seg-opt:hover span { border-color: var(--navy-200); }
.seg-opt input:checked + span { background: var(--navy-800); border-color: var(--navy-800); color: #fff; }
.seg-opt input:focus-visible + span { outline: 3px solid var(--focus); outline-offset: 2px; }

.cond-field[hidden] { display: none; }

/* ================= TRUST BAR ================= */
.trustbar { background: var(--navy-900); color: #fff; border-top: 1px solid rgba(255,255,255,0.08); }
.trustbar-inner { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: var(--space-5) var(--space-6); padding-block: var(--space-5); }
.trust-item { display: flex; align-items: center; gap: 12px; }
.trust-item .ms { color: var(--gold-400); font-size: 24px; }
.trust-item b { font-family: var(--font-head); font-weight: 600; font-size: var(--fs-sm); line-height: 1.15; }
.trust-item span { display: block; font-size: 12px; color: var(--navy-200); }
.trust-stars { display: flex; align-items: center; gap: 10px; }
.stars { display: inline-flex; color: var(--gold-400); }
.stars .ms { font-size: 19px; }
.trust-badges { display: flex; align-items: center; gap: 12px; }
.badge-chip { display: flex; align-items: center; gap: 8px; border: 1.5px solid rgba(255,255,255,0.22); padding: 9px 14px; font-family: var(--font-head); font-weight: 700; font-size: 11px; letter-spacing: .1em; text-transform: uppercase; }
.badge-chip .ms { color: var(--gold-400); font-size: 17px; }
.trust-divider { width: 1px; height: 40px; background: rgba(255,255,255,0.14); }

/* ================= HOW IT WORKS ================= */
.how { background: var(--bg-alt); }
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-5); }
.step { background: #fff; border: 1px solid var(--line); border-radius: var(--r-md); padding: var(--space-6); position: relative; }
.step-top { display: flex; align-items: center; gap: 18px; margin-bottom: var(--space-5); }
.step-num { font-family: var(--font-display); font-weight: 600; font-size: 2.6rem; color: var(--gold-500); line-height: 1; flex-shrink: 0; }
.step-rule { flex: 1; height: 1px; background: var(--line); }
.step h3 { font-family: var(--font-display); font-weight: 600; font-size: 1.5rem; color: var(--navy-900); margin-bottom: 9px; }
.step p { color: var(--ink-500); font-size: var(--fs-body); }
.step .step-time { display: inline-flex; align-items: center; gap: 7px; margin-top: var(--space-4); font-family: var(--font-head); font-weight: 600; font-size: 12px; letter-spacing: .04em; text-transform: uppercase; color: var(--green-600); }
.step .step-time .ms { font-size: 15px; }

/* ================= WHY ANA (photo + text, like reference) ================= */
.why-grid { display: grid; grid-template-columns: 0.92fr 1.08fr; gap: clamp(40px, 5vw, 80px); align-items: center; }
.why-photo-frame { position: relative; }
.why-photo-frame::before { content: ""; position: absolute; left: -18px; top: -18px; width: 64%; height: 64%; border: 2px solid var(--gold-500); z-index: 0; }
.why-photo-frame::after { content: ""; position: absolute; right: -16px; bottom: -16px; width: 40%; height: 40%; background: var(--bg-alt); z-index: 0; }
.why-photo { position: relative; z-index: 1; width: 100%; height: clamp(340px, 40vw, 500px); object-fit: cover; display: block; box-shadow: var(--shadow-md); }
.why-body .sec-head { margin-bottom: var(--space-6); }
.why-values { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-5) var(--space-6); margin-top: var(--space-6); }
.value { display: grid; grid-template-columns: 24px 1fr; gap: 12px; align-items: start; }
.value .ms { color: var(--gold-600); font-size: 22px; margin-top: 2px; }
.value h4 { font-family: var(--font-head); font-weight: 700; font-size: var(--fs-h4); color: var(--navy-900); margin-bottom: 3px; }
.value p { font-size: var(--fs-sm); color: var(--ink-500); }

/* ================= CASE TYPES (frosted cards on dark photo) ================= */
.case-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--space-4); }
.case { padding: var(--space-5);
  background: rgba(255,255,255,0.16); backdrop-filter: blur(18px) saturate(125%); -webkit-backdrop-filter: blur(18px) saturate(125%);
  border: 1px solid rgba(255,255,255,0.4); border-radius: var(--r-md);
  box-shadow: 0 10px 30px rgba(8,16,28,0.22), inset 0 1px 0 rgba(255,255,255,0.25);
  display: flex; flex-direction: column; align-items: flex-start; gap: var(--space-3);
  transition: transform .18s ease, box-shadow .2s ease, background-color .2s ease; }
.case:hover { transform: translateY(-4px); box-shadow: 0 18px 42px rgba(8,16,28,0.30), inset 0 1px 0 rgba(255,255,255,0.3); background: rgba(255,255,255,0.26); }
.case .c-ic { color: var(--gold-400); margin-bottom: var(--space-2); }
.case .c-ic .ms { font-size: 34px; }
.case h4 { font-family: var(--font-head); font-weight: 700; font-size: 13px; letter-spacing: .1em; text-transform: uppercase; color: #fff; }
.case p { font-size: var(--fs-sm); color: rgba(255,255,255,0.82); }

/* ================= TESTIMONIALS ================= */
.testi { background: var(--navy-900); color: #fff; }
.testi-rating { display: inline-flex; align-items: center; gap: 12px; }
.testi-rating .rate-num { font-family: var(--font-display); font-weight: 600; font-size: 2.4rem; color: #fff; }
.testi-rating .rate-sub { font-family: var(--font-head); font-weight: 600; font-size: 11px; letter-spacing: .1em; text-transform: uppercase; color: var(--navy-200); line-height: 1.5; text-align: left; }
.testi-grid { display: grid; grid-template-columns: 1.5fr 1fr; gap: clamp(28px,4vw,56px); align-items: stretch; margin-top: var(--space-8); }
.tcard.featured { border-left: 3px solid var(--gold-500); padding-left: clamp(24px,3vw,40px); display: flex; flex-direction: column; justify-content: center; }
.tcard.featured .stars { margin-bottom: var(--space-5); }
.tcard.featured .stars .ms { font-size: 20px; }
.tcard.featured blockquote { font-family: var(--font-display); font-weight: 400; font-size: clamp(1.5rem, 2.5vw, 2rem); line-height: 1.34; color: #fff; margin: 0; letter-spacing: -0.005em; }
.tcard.featured blockquote .mk { color: var(--gold-400); font-style: italic; }
.testi-side { display: grid; gap: var(--space-5); align-content: start; }
.tcard.compact { border-top: 1px solid rgba(255,255,255,0.16); padding-top: var(--space-5); }
.tcard.compact:first-child { border-top: 0; padding-top: 0; }
.tcard.compact .stars { margin-bottom: var(--space-3); }
.tcard.compact .stars .ms { font-size: 15px; }
.tcard.compact blockquote { margin: 0; font-size: var(--fs-body); color: #eef2f8; line-height: 1.5; }
.tcard .who { display: flex; align-items: center; gap: 12px; margin-top: var(--space-5); }
.tcard .avatar { width: 46px; height: 46px; border-radius: 50%; object-fit: cover; flex-shrink: 0; }
.tcard .who b { font-family: var(--font-head); font-weight: 700; font-size: var(--fs-sm); color: #fff; display: block; line-height: 1.2; }
.tcard .who span { font-size: 12px; color: var(--navy-200); }

/* ================= FAQ ================= */
.faq-wrap { max-width: var(--container-narrow); margin: 0 auto; }
.faq-list { border-top: 1px solid var(--line); }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-q { width: 100%; display: grid; grid-template-columns: 1fr 28px; align-items: center; gap: var(--space-4); background: none; border: 0; cursor: pointer; text-align: left; padding: var(--space-6) 2px;
  font-family: var(--font-display); font-weight: 600; font-size: clamp(1.2rem, 1.9vw, 1.5rem); color: var(--navy-900); }
.faq-q .q-ic { color: var(--gold-600); font-size: 26px; transition: transform .25s ease; justify-self: end; }
.faq-item.open .faq-q .q-ic { transform: rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .3s ease; }
.faq-a-inner { padding: 0 2px var(--space-6) 0; color: var(--ink-500); font-size: var(--fs-body); max-width: 70ch; }
.faq-item.open .faq-a { max-height: 360px; }

/* ================= FINAL CTA (dark photo) ================= */
.final-cta { color: #fff; text-align: center; }
.final-cta .band-bg { filter: blur(2.5px); transform: scale(1.04); }
.final-cta .band-scrim { background: radial-gradient(78% 95% at 50% 48%, rgba(10,18,32,0.78) 0%, rgba(10,18,32,0.58) 52%, rgba(10,18,32,0.46) 100%); }
.final-inner { position: relative; z-index: 1; max-width: 820px; margin: 0 auto; }
.final-cta .hero-eyebrow { justify-content: center; }
.final-cta .hero-eyebrow::after { content: ""; width: 28px; height: 1.5px; background: var(--gold-500); }
.final-cta h2 { font-family: var(--font-display); font-weight: 500; color: #fff; font-size: var(--fs-h1); letter-spacing: -0.012em; line-height: 1.08; text-shadow: 0 2px 22px rgba(8,14,26,0.5); }
.final-cta h2 em { font-style: italic; color: var(--gold-400); }
.final-cta h2 .dot { color: var(--gold-500); }
.final-cta p { color: rgba(255,255,255,0.94); font-size: var(--fs-lead); margin-top: var(--space-5); text-shadow: 0 1px 14px rgba(8,14,26,0.55); }
.final-actions { display: flex; align-items: center; justify-content: center; gap: var(--space-5); flex-wrap: wrap; margin-top: var(--space-7); }
.final-phone { display: inline-flex; align-items: center; gap: 11px; font-family: var(--font-display); font-weight: 600; font-size: 1.6rem; color: #fff; white-space: nowrap; }
.final-phone .ms { color: var(--gold-400); font-size: 26px; }

/* ================= FOOTER ================= */
.footer { background: #131c27; color: var(--navy-200); padding-block: var(--space-9) var(--space-6); }
.footer-grid { display: grid; grid-template-columns: 1.7fr 1fr 1fr; gap: clamp(32px, 5vw, 72px); }
.footer .brand-name { color: #fff; }
.footer-about { margin-top: var(--space-4); font-size: var(--fs-sm); color: var(--navy-200); max-width: 32ch; }
.footer-contact { margin-top: 0; display: grid; gap: 11px; }
.footer-contact a, .footer-contact div { display: flex; gap: 11px; align-items: flex-start; font-size: var(--fs-sm); color: #c7d0db; }
.footer-contact a:hover { color: #fff; }
.footer-contact .ms { color: var(--gold-400); font-size: 19px; flex-shrink: 0; }
.footer h5 { font-family: var(--font-head); font-weight: 700; font-size: 11px; color: #fff; text-transform: uppercase; letter-spacing: .18em; margin: 0 0 var(--space-4); }
.footer-links { display: grid; gap: 12px; }
.footer-links a { font-size: var(--fs-sm); color: #aeb9c6; transition: color .15s; }
.footer-links a:hover { color: var(--gold-400); }
.footer-disc { margin-top: var(--space-8); padding-top: var(--space-5); border-top: 1px solid rgba(255,255,255,0.10); font-size: var(--fs-xs); color: #7e8b9a; line-height: 1.7; }
.footer-bottom { margin-top: var(--space-5); display: flex; justify-content: space-between; flex-wrap: wrap; gap: var(--space-3) var(--space-6); font-family: var(--font-head); font-weight: 600; font-size: 11px; letter-spacing: .08em; text-transform: uppercase; color: #7e8b9a; }

.mobile-callbar { display: none; }

/* Header "Apply Now" reveal: on desktop it only appears once the hero form has
   scrolled out of view (redundant to show both at once). On mobile it stays
   hidden — the persistent bottom call bar provides Apply. JS toggles
   body.show-apply based on scroll position. */
@media (min-width: 641px) {
  .header-cta .btn-primary { display: none; }
  body.show-apply .header-cta .btn-primary { display: inline-flex; animation: applyReveal .28s ease both; }
}
@keyframes applyReveal { from { opacity: 0; transform: translateY(-6px); } to { opacity: 1; transform: translateY(0); } }

/* ================= RESPONSIVE ================= */
@media (max-width: 1000px) {
  .nav, .header-cta .callbar { display: none; }
  .header-cta { gap: 10px; margin-left: auto; }   /* push controls to the right */
  .call-icon-btn { display: grid; }
  .hamburger { display: grid; }
  .mobile-menu { display: flex; }                  /* enable (stays collapsed until .open) */
  .hero-inner { grid-template-columns: 1fr; }
  .hero-form-col { max-width: 540px; }
  /* Stacked hero: text is now full-width, so replace the left "spotlight" with a
     top-down scrim that shades the whole copy area for legibility over the sky. */
  .hero-scrim { background: linear-gradient(180deg, rgba(10,18,32,0.55) 0%, rgba(10,18,32,0.4) 34%, rgba(10,18,32,0.3) 64%, rgba(10,18,32,0.28) 100%); }
  .hero h1 { text-shadow: 0 1px 2px rgba(8,14,26,0.6), 0 3px 22px rgba(8,14,26,0.45); }
  .hero-sub { text-shadow: 0 1px 2px rgba(8,14,26,0.55), 0 2px 16px rgba(8,14,26,0.4); }
  .why-grid { grid-template-columns: 1fr; }
  .why-photo-frame { max-width: 560px; }
  .case-grid { grid-template-columns: repeat(2, 1fr); }
  .testi-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  /* On phones the brand + call icon + hamburger already fill the bar, and
     "Apply" lives in both the hamburger menu and the persistent bottom call
     bar — so drop the redundant header Apply button to avoid overflow. */
  .header-cta .btn-primary { display: none; }
  .call-icon-btn { display: none; }   /* phones: Call lives in the bottom bar */
  /* Compact the lead form on phones so every wizard step clears the sticky
     header + bottom call bar with no scrolling. */
  .lead-form-head { padding-block: var(--space-4); }
  .lead-form-head h3 { font-size: 1.3rem; }
  .lead-form-body { padding-top: var(--space-5); padding-bottom: var(--space-4); }
  .wizard-progress { margin-bottom: var(--space-4); }
  .wizard-nav { margin-top: var(--space-4); }
  .form-disc { margin-top: var(--space-3); }
  .seg-opt span { min-height: 44px; }
  .steps { grid-template-columns: 1fr; }
  .case-grid { grid-template-columns: 1fr; }
  .why-values { grid-template-columns: 1fr; }
  .trustbar-inner { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-5) var(--space-4); align-items: start; }
  .trust-divider { display: none; }
  .trust-stars { flex-direction: column; align-items: flex-start; gap: 8px; }
  /* center the footer on phones */
  .footer { text-align: center; }
  .footer-grid { grid-template-columns: 1fr; gap: var(--space-6); }
  .footer .brand { justify-content: center; }
  .footer-about { margin-left: auto; margin-right: auto; }
  .footer-contact a, .footer-contact div { justify-content: center; }
  .footer-bottom { justify-content: center; }
  .sec-head.split { grid-template-columns: 1fr; }
  .mobile-callbar { display: flex; position: fixed; left: 0; right: 0; bottom: 0; z-index: 60; background: var(--navy-800); padding: 10px 16px calc(10px + env(safe-area-inset-bottom)); gap: 10px; border-top: 1px solid rgba(255,255,255,0.12); }
  .mobile-callbar .btn { flex: 1; }
  .mobile-callbar .btn-call { background: #fff; color: var(--navy-800); }
  body.has-mobilebar { padding-bottom: 78px; }
}

/* ===================== ANIMATIONS ===================== */
/* Hero entrance — CSS-only (no JS dependency); degrades to fully visible. */
@keyframes anaFadeUp { from { opacity: 0; transform: translateY(16px); } to { opacity: 1; transform: translateY(0); } }
.hero-copy > * { animation: anaFadeUp .6s cubic-bezier(.2,.7,.2,1) both; }
.hero-eyebrow { animation-delay: .05s; }
.hero h1 { animation-delay: .12s; }
.hero-sub { animation-delay: .26s; }
.hero-trust { animation-delay: .38s; }
.hero-rating { animation-delay: .48s; }
.hero-form-col { animation: anaFadeUp .75s cubic-bezier(.2,.7,.2,1) .3s both; }

/* Scroll reveals — main.js adds .reveal + html.reveal-ready, then .reveal-in
   when each element enters the viewport. The hidden state only exists once JS
   has run, so content is always visible if JS fails. */
.reveal-ready .reveal {
  opacity: 0; transform: translateY(26px);
  transition: opacity .6s ease, transform .65s cubic-bezier(.2,.7,.2,1);
  transition-delay: var(--rd, 0ms);
}
.reveal-ready .reveal.reveal-in { opacity: 1; transform: none; }
.reveal-ready .case.reveal { transform: none; } /* fade only over the frosted-glass band */

/* Subtle header elevation once the page is scrolled. */
.site-header { transition: box-shadow .3s ease; }
.site-header.scrolled { box-shadow: 0 12px 30px -14px rgba(8,14,26,0.5); }

@media (prefers-reduced-motion: reduce) {
  * { transition: none !important; animation: none !important; scroll-behavior: auto !important; }
  .reveal-ready .reveal { opacity: 1 !important; transform: none !important; }
}