/* ===================== TOKENS ===================== */
:root{
  --navy:#0b2545;
  --navy-2:#123363;
  --gold:#c9972f;
  --gold-2:#e6c568;
  --green:#1f8a4c;
  --green-2:#22a057;
  --ink:#152238;
  --muted:#5a6b83;
  --muted-2:#93a2b3;
  --line:#e3e8f0;
  --bg-alt:#f6f8fb;
  --danger:#c0392b;
  --radius:14px;
  --shadow:0 10px 30px rgba(11,37,69,.10);
  --shadow-sm:0 2px 10px rgba(11,37,69,.08);
  --container:1180px;
}

*,*::before,*::after{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  font-family:'Inter',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;
  color:var(--ink);
  background:#fff;
  line-height:1.55;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4{
  font-family:'Poppins',Inter,sans-serif;
  line-height:1.2;
  letter-spacing:-0.01em;
  margin:0 0 .5em;
  color:var(--navy);
}
p{margin:0 0 1em;color:var(--muted);}
a{color:inherit;text-decoration:none;}
ul{margin:0;padding:0;list-style:none;}
button{font-family:inherit;cursor:pointer;}

.container{
  width:100%;
  max-width:var(--container);
  margin:0 auto;
  padding:0 24px;
}

.section{padding:88px 0;}
.section-alt{background:var(--bg-alt);}
.section-head{max-width:680px;margin:0 auto 48px;text-align:center;}
.eyebrow{
  display:inline-block;
  font-size:13px;
  font-weight:700;
  letter-spacing:.06em;
  text-transform:uppercase;
  color:var(--gold);
  background:rgba(201,151,47,.1);
  padding:6px 14px;
  border-radius:99px;
  margin-bottom:14px;
}
.section-head h2{font-size:clamp(28px,3.6vw,40px);letter-spacing:-0.02em;}
.section-head p{font-size:16.5px;}

/* ===================== BUTTONS ===================== */
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:8px;
  padding:14px 26px;
  border-radius:10px;
  font-weight:700;
  font-size:15px;
  border:2px solid transparent;
  transition:transform .15s ease, box-shadow .15s ease, background .15s ease, color .15s ease;
  white-space:nowrap;
}
.btn:hover{transform:translateY(-1px);}
.btn-block{width:100%;}
.btn-lg{padding:16px 32px;font-size:16px;}
.btn-gold{background:var(--gold);color:#fff;box-shadow:0 6px 18px rgba(201,151,47,.35);}
.btn-gold:hover{background:#b9852a;}
.btn-green{background:var(--green);color:#fff;box-shadow:0 6px 18px rgba(31,138,76,.3);}
.btn-green:hover{background:var(--green-2);}
.btn-navy-outline{background:transparent;color:var(--navy);border-color:var(--navy);}
.btn-navy-outline:hover{background:var(--navy);color:#fff;}
.btn-back{background:#eef1f6;color:var(--ink);}
.btn-back:hover{background:#e3e8f0;}
.btn-ghost-light{background:transparent;color:#fff;border-color:rgba(255,255,255,.4);}
.btn-ghost-light:hover{background:rgba(255,255,255,.12);border-color:#fff;}

/* ===================== HEADER ===================== */
.site-header{
  position:sticky;top:0;z-index:100;
  background:#fff;
  border-bottom:1px solid var(--line);
}
.header-row{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:24px;
  padding:14px 24px;
}
.brand{
  display:flex;
  align-items:center;
  gap:10px;
  font-family:'Poppins',sans-serif;
  font-weight:700;
  font-size:16.5px;
  color:var(--navy);
  flex-shrink:0;
}
.brand small{
  display:block;
  font-family:'Inter',sans-serif;
  font-weight:500;
  font-size:11px;
  color:var(--muted-2);
}
.brand-mark{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  width:36px;height:36px;
  border-radius:9px;
  background:var(--navy);
  color:var(--gold-2);
  flex-shrink:0;
}
.main-nav{
  display:flex;
  align-items:center;
  gap:28px;
  font-weight:600;
  font-size:14.5px;
}
.main-nav a{color:var(--ink);}
.main-nav a:hover{color:var(--gold);}
.header-cta{
  display:flex;
  align-items:center;
  gap:14px;
}
.header-phone{
  display:flex;
  align-items:center;
  gap:7px;
  font-weight:700;
  font-size:14.5px;
  color:var(--navy);
}
.header-phone:hover{color:var(--gold);}
.lang-toggle-btn{
  border:1.5px solid var(--line);
  background:#fff;
  color:var(--navy);
  font-weight:700;
  font-size:13px;
  padding:7px 11px;
  border-radius:8px;
}
.lang-toggle-btn:hover{border-color:var(--gold);color:var(--gold);}
.nav-toggle{
  display:none;
  border:none;
  background:transparent;
  color:var(--navy);
  padding:6px;
  width:36px;height:36px;
}
.mobile-panel{
  display:none;
  flex-direction:column;
  gap:2px;
  padding:8px 0 18px;
  font-weight:600;
}
.mobile-panel a{
  padding:12px 4px;
  border-bottom:1px solid var(--line);
  color:var(--ink);
}
.mobile-panel.open{display:flex;}

/* ===================== HERO ===================== */
.hero{
  background:linear-gradient(180deg,#f6f8fb 0%,#fff 100%);
  padding:56px 0 72px;
}
.hero-grid{
  display:grid;
  grid-template-columns:1.05fr .95fr;
  gap:56px;
  align-items:start;
}
.hero-badges{
  display:flex;
  flex-wrap:wrap;
  gap:10px;
  margin-bottom:20px;
}
.hero-badge{
  font-size:12.5px;
  font-weight:700;
  color:var(--green);
  background:rgba(31,138,76,.09);
  padding:6px 12px;
  border-radius:99px;
}
.hero h1{
  font-size:clamp(32px,5vw,56px);
  line-height:1.05;
  letter-spacing:-0.025em;
  margin-bottom:20px;
}
.hero h1 span{color:var(--gold);}
.hero-sub{font-size:17.5px;color:var(--muted);margin-bottom:22px;}
.hero-points{display:flex;flex-direction:column;gap:13px;margin-bottom:26px;}
.hero-points li{
  display:flex;
  align-items:flex-start;
  gap:10px;
  font-weight:600;
  font-size:15px;
  color:var(--ink);
}
.hero-points svg{flex-shrink:0;margin-top:2px;color:var(--green);}
.hero-trustline{font-size:13.5px;color:var(--muted-2);}

/* ===================== LEAD CARD / FORM ===================== */
.lead-card{
  background:#fff;
  border-radius:var(--radius);
  box-shadow:0 18px 44px rgba(11,37,69,.18);
  border:1px solid var(--line);
  overflow:hidden;
  position:sticky;
  top:96px;
}
.lead-card-head{background:var(--navy);padding:20px 24px;}
.lead-card-head h3{color:#fff;font-size:21px;margin-bottom:4px;}
.lead-card-head p{color:var(--gold-2);font-size:13px;margin:0;}
.lead-card-body{padding:22px 24px 24px;}
.progress-wrap{margin-bottom:22px;}
.progress-track{
  height:7px;
  background:#eef1f6;
  border-radius:99px;
  overflow:hidden;
  margin-bottom:8px;
}
.progress-fill{
  height:100%;
  width:33.33%;
  background:linear-gradient(90deg,var(--gold),var(--gold-2));
  border-radius:99px;
  transition:width .3s ease;
}
.progress-label{font-size:12.5px;font-weight:700;color:var(--muted);letter-spacing:.02em;}

.hp-field{position:absolute;left:-9999px;top:-9999px;width:1px;height:1px;overflow:hidden;}

.form-step{display:none;}
.form-step.active{display:block;animation:fadeIn .25s ease;}
@keyframes fadeIn{from{opacity:0;transform:translateY(4px);}to{opacity:1;transform:translateY(0);}}

.field{margin-bottom:16px;}
.field label{
  display:block;
  font-size:13.5px;
  font-weight:700;
  color:var(--ink);
  margin-bottom:6px;
}
.field input,.field select{
  width:100%;
  padding:12px 13px;
  border:1.5px solid var(--line);
  border-radius:9px;
  font-size:15px;
  font-family:inherit;
  color:var(--ink);
  background:#fff;
  transition:border-color .15s ease, box-shadow .15s ease;
}
.field input:focus,.field select:focus{
  outline:none;
  border-color:var(--navy-2);
  box-shadow:0 0 0 3px rgba(18,51,99,.12);
}
.field input::placeholder{color:var(--muted-2);}
.error-msg{
  display:none;
  font-size:12.5px;
  color:var(--danger);
  margin-top:6px;
  font-weight:600;
}
.field.invalid input,.field.invalid select{border-color:var(--danger);}
.field.invalid .error-msg{display:block;}

.row-2{display:grid;grid-template-columns:1fr 1fr;gap:12px;}
.row-3{display:grid;grid-template-columns:1.4fr .8fr .8fr;gap:12px;}

.consent-field{
  display:flex;
  gap:10px;
  align-items:flex-start;
  background:var(--bg-alt);
  border-radius:10px;
  padding:14px;
  margin-bottom:18px;
}
.consent-field input{
  margin-top:3px;
  width:17px;height:17px;
  flex-shrink:0;
  accent-color:var(--navy);
}
.consent-field label{font-size:12.5px;color:var(--muted);font-weight:500;line-height:1.5;}
.consent-field label a{color:var(--navy-2);font-weight:700;text-decoration:underline;}
.consent-field.invalid{outline:1.5px solid var(--danger);}

.step-actions{display:flex;gap:10px;margin-top:22px;}
.step-actions .btn-back{flex:0 0 auto;padding-left:18px;padding-right:18px;}
.step-actions .btn-block{flex:1;}

.lead-card-disclaimer{
  text-align:center;
  font-size:12px;
  color:var(--muted-2);
  margin:16px 0 0;
}

.check-circle{
  width:64px;height:64px;
  border-radius:50%;
  background:rgba(31,138,76,.1);
  color:var(--green);
  display:flex;
  align-items:center;
  justify-content:center;
}

/* ===================== TRUST BAR ===================== */
.trust-bar{background:var(--navy);padding:22px 0;}
.trust-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:20px;
}
.trust-item{
  display:flex;
  align-items:center;
  gap:10px;
  color:#dbe4f2;
  font-weight:700;
  font-size:14px;
  justify-content:center;
  text-align:center;
}
.trust-item svg{color:var(--gold-2);flex-shrink:0;}

/* ===================== HOW IT WORKS ===================== */
.steps-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:28px;
}
.step-card{
  background:#fff;
  border:1px solid var(--line);
  border-radius:var(--radius);
  padding:30px 26px;
  box-shadow:var(--shadow-sm);
}
.step-num{
  width:40px;height:40px;
  border-radius:10px;
  background:var(--navy);
  color:var(--gold-2);
  font-family:'Poppins',sans-serif;
  font-weight:700;
  font-size:18px;
  display:flex;
  align-items:center;
  justify-content:center;
  margin-bottom:16px;
}
.step-card h3{font-size:18.5px;}
.step-card p{font-size:14.5px;margin:0;}

/* ===================== BENEFITS ===================== */
.benefits-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:24px;
}
.benefit-card{
  display:flex;
  gap:16px;
  background:#fff;
  border:1px solid var(--line);
  border-radius:var(--radius);
  padding:24px;
}
.benefit-icon{
  width:44px;height:44px;
  flex-shrink:0;
  border-radius:10px;
  background:rgba(201,151,47,.12);
  color:var(--gold);
  display:flex;
  align-items:center;
  justify-content:center;
}
.benefit-card h3{font-size:16.5px;margin-bottom:6px;}
.benefit-card p{font-size:14px;margin:0;}

/* ===================== FORECLOSURE ===================== */
.foreclosure-section{
  background:var(--navy);
  padding:88px 0;
  color:#fff;
}
.foreclosure-section .eyebrow{background:rgba(230,197,104,.15);color:var(--gold-2);}
.foreclosure-section h2{color:#fff;font-size:clamp(26px,3.4vw,36px);}
.foreclosure-section p{color:#c3cfe0;}
.foreclosure-grid{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:56px;
  align-items:start;
}
.hud-note{
  margin-top:24px;
  background:rgba(255,255,255,.06);
  border:1px solid rgba(255,255,255,.14);
  border-radius:12px;
  padding:16px 18px;
  font-size:14px;
  color:#dbe4f2;
}
.hud-note strong{color:#fff;}
.timeline-list{display:flex;flex-direction:column;gap:22px;}
.timeline-item{display:flex;gap:16px;}
.timeline-item .dot{
  width:34px;height:34px;
  border-radius:50%;
  background:var(--gold);
  color:var(--navy);
  font-weight:800;
  font-family:'Poppins',sans-serif;
  display:flex;
  align-items:center;
  justify-content:center;
  flex-shrink:0;
}
.timeline-item h4{color:#fff;font-size:15.5px;margin-bottom:4px;}
.timeline-item p{color:#b5c4da;font-size:13.5px;margin:0;}

/* ===================== SITUATIONS ===================== */
.situations-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:14px;
}
.situation-chip{
  background:#fff;
  border:1.5px solid var(--line);
  border-radius:12px;
  padding:20px 16px;
  text-align:center;
  font-weight:700;
  font-size:14px;
  color:var(--navy);
}

/* ===================== COMPARISON TABLE ===================== */
.compare-table-wrap{overflow-x:auto;}
.compare-table{
  width:100%;
  border-collapse:collapse;
  background:#fff;
  border-radius:var(--radius);
  overflow:hidden;
  box-shadow:var(--shadow-sm);
}
.compare-table th,.compare-table td{
  padding:16px 18px;
  text-align:left;
  font-size:14.5px;
  border-bottom:1px solid var(--line);
}
.compare-table thead th{
  font-family:'Poppins',sans-serif;
  font-size:14.5px;
  color:var(--navy);
  background:var(--bg-alt);
}
.compare-table th.highlight,.compare-table td.highlight{
  background:var(--navy);
  color:#fff;
  font-weight:700;
  border-bottom-color:rgba(255,255,255,.12);
}
.compare-table thead th.highlight{color:var(--gold-2);}
.compare-table td.highlight .yes{color:var(--gold-2);}
.compare-table tbody tr:last-child td{border-bottom:none;}
.compare-table .yes{color:var(--green);font-weight:700;}
.compare-table .no{color:var(--danger);font-weight:700;}

/* ===================== FAQ ===================== */
.faq-list{display:flex;flex-direction:column;gap:12px;max-width:820px;margin:0 auto;}
.faq-item{
  border:1px solid var(--line);
  border-radius:12px;
  background:#fff;
  overflow:hidden;
}
.faq-q{
  width:100%;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:16px;
  padding:18px 20px;
  background:none;
  border:none;
  text-align:left;
  font-family:'Poppins',sans-serif;
  font-weight:600;
  font-size:15.5px;
  color:var(--navy);
}
.faq-q svg{flex-shrink:0;transition:transform .2s ease;color:var(--muted);}
.faq-item.open .faq-q svg{transform:rotate(180deg);}
.faq-a{
  max-height:0;
  overflow:hidden;
  transition:max-height .3s ease;
}
.faq-item.open .faq-a{max-height:1200px;}
.faq-a-inner{padding:0 20px 20px;font-size:14.5px;color:var(--muted);}

/* ===================== FINAL CTA ===================== */
.final-cta{
  background:var(--navy-2);
  border-top:3px solid var(--gold);
  padding:72px 0;
  text-align:center;
}
.final-cta h2{color:#fff;font-size:clamp(28px,3.6vw,40px);letter-spacing:-0.02em;}
.final-cta p{color:rgba(255,255,255,.9);font-size:16.5px;max-width:560px;margin:0 auto 28px;}
.final-cta-actions{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;}

/* ===================== FOOTER ===================== */
.site-footer{background:var(--navy);color:#b5c4da;padding:64px 0 0;}
.footer-grid{
  display:grid;
  grid-template-columns:1.6fr 1fr 1fr 1.2fr;
  gap:40px;
  padding-bottom:44px;
}
.footer-brand p{color:#8fa1bc;font-size:13.5px;margin-top:14px;}
.footer-col h4{color:#fff;font-size:14.5px;margin-bottom:16px;}
.footer-col ul{display:flex;flex-direction:column;gap:10px;}
.footer-col a{color:#b5c4da;font-size:13.5px;}
.footer-col a:hover{color:var(--gold-2);}
.footer-contact li{display:flex;align-items:center;gap:9px;font-size:13.5px;color:#b5c4da;}
.footer-contact svg{color:var(--gold-2);flex-shrink:0;}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding:22px 0 28px;}
.footer-bottom-row{
  display:flex;
  justify-content:space-between;
  flex-wrap:wrap;
  gap:10px;
  font-size:12.5px;
  color:#8fa1bc;
}
.footer-disclaimer{font-size:11.5px;color:#6f83a1;margin:16px 0 0;line-height:1.6;}

/* ===================== MOBILE STICKY CTA ===================== */
.mobile-sticky-cta{
  display:none;
  position:fixed;
  bottom:0;left:0;right:0;
  z-index:90;
  padding:12px 16px calc(12px + env(safe-area-inset-bottom));
  background:#fff;
  border-top:1px solid var(--line);
  box-shadow:0 -6px 20px rgba(11,37,69,.12);
}

/* ===================== SIMPLE PAGE (privacy / thank you) ===================== */
.simple-page{padding:56px 0 80px;}
.simple-page h1{font-size:clamp(28px,4vw,38px);}
.simple-page .updated{color:var(--muted-2);font-size:13.5px;margin-bottom:28px;}
.simple-page h2{font-size:20px;margin-top:36px;}
.simple-page ul{margin:0 0 16px;padding-left:22px;list-style:disc;}
.simple-page li{margin-bottom:8px;color:var(--muted);font-size:15px;}
.simple-page a{color:var(--navy-2);font-weight:700;text-decoration:underline;}

.thankyou-hero{padding:72px 0 60px;text-align:center;}
.thankyou-hero .check-circle{margin:0 auto 22px;width:76px;height:76px;}
.thankyou-hero h1{font-size:clamp(26px,3.6vw,36px);}
.thankyou-hero > .container > p{max-width:560px;margin:0 auto 28px;font-size:16.5px;}
.thankyou-steps{
  max-width:560px;
  margin:0 auto;
  text-align:left;
  display:flex;
  flex-direction:column;
  gap:14px;
  background:var(--bg-alt);
  border-radius:var(--radius);
  padding:26px 28px;
}
.thankyou-steps li{display:flex;gap:10px;font-size:14.5px;color:var(--ink);}
.thankyou-steps b{color:var(--gold);flex-shrink:0;}

/* ===================== RESPONSIVE ===================== */
@media (max-width:980px){
  .hero-grid{grid-template-columns:1fr;}
  .lead-card{position:static;}
  .foreclosure-grid{grid-template-columns:1fr;}
  .steps-grid{grid-template-columns:1fr;}
  .benefits-grid{grid-template-columns:repeat(2,1fr);}
  .situations-grid{grid-template-columns:repeat(2,1fr);}
  .footer-grid{grid-template-columns:1fr 1fr;}
  .trust-grid{grid-template-columns:repeat(2,1fr);}
}

@media (max-width:768px){
  .main-nav{display:none;}
  .header-cta .btn-gold{display:none;}
  .header-phone .phone-text{display:none;}
  .nav-toggle{display:flex;align-items:center;justify-content:center;}
  .header-row{gap:10px;}
  .brand{flex-shrink:1;min-width:0;}
  .brand small{display:none;}
  .brand > span:not(.brand-mark){overflow:hidden;text-overflow:ellipsis;white-space:nowrap;}
  .header-cta{flex-shrink:0;gap:8px;}
  .mobile-sticky-cta{display:block;}
  body:has(.mobile-sticky-cta){padding-bottom:74px;}
  .section{padding:60px 0;}
  .row-3{grid-template-columns:1fr;}
  .row-2{grid-template-columns:1fr;}
  .benefits-grid{grid-template-columns:1fr;}
  .situations-grid{grid-template-columns:1fr 1fr;}
  .footer-grid{grid-template-columns:1fr;gap:28px;}
  .final-cta-actions{flex-direction:column;align-items:stretch;}
}