/* ==========================================================
   THE REAL ESTATE BUYERS — design system v2 (Oct 2026)
   One coherent system: white/light base, ink headlines,
   navy bands (hero, final CTA, footer), TREB red accent,
   big rounded cards, soft shadows, generous whitespace.
   ========================================================== */

:root {
  --accent: #c8102e;
  --accent-dark: #a50d26;
  --accent-soft: #f6cdd3;
  --navy: #14487a;
  --navy-dark: #123a5e;
  --navy-deep: #0d2237;
  --navy-line: #2f6096;
  --ink: #16232e;
  --body: #3d4c59;
  --muted: #66727e;
  --border: #e3e9ef;
  --panel: #f5f8fb;
  --tint: #eaf2f9;
  --tint-border: #cfdff0;
  --gold: #c9a227;
  --green: #1e7a42;
  --tint-cool: #eaf2fa;
  --tint-cool-border: #c7dbf0;
  --tint-cool-deep: #2f6db3;
  --tint-warm: #fdf1f2;
  --tint-warm-border: #f0d0d5;
  --tint-warm-deep: #9c2438;
  --shadow-card: 0 10px 30px rgba(13, 34, 55, .08);
  --shadow-lift: 0 20px 48px rgba(13, 34, 55, .16);
  --radius: 18px;
}

* { box-sizing: border-box; }

body {
  margin: 0;
  font-family: "Source Sans 3", "Segoe UI", sans-serif;
  font-size: 17px;
  background: #fff;
  color: var(--ink);
}

a { color: var(--navy); text-decoration: none; }
a:hover { color: var(--navy-dark); }

.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  z-index: 100;
  background: #fff;
  color: var(--navy);
  font-weight: 600;
  padding: 12px 18px;
  border-radius: 0 0 8px 0;
}
.skip-link:focus { left: 0; }

h1, h2, h3 { font-family: "Sora", sans-serif; margin: 0; color: var(--ink); }
img { max-width: 100%; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  height: 50px;
  padding: 0 24px;
  border-radius: 12px;
  font-family: "Sora", sans-serif;
  font-weight: 600;
  font-size: 16px;
  border: none;
  cursor: pointer;
  white-space: nowrap;
  transition: opacity .15s ease, background .15s ease;
}
.btn-accent { background: var(--accent); color: #fff; }
.btn-accent:hover { background: var(--accent-dark); color: #fff; }
.btn-outline { background: transparent; color: #fff; border: 1.5px solid #6e93bb; }
.btn-outline:hover { color: #fff; opacity: .85; }
.btn-light { background: #fff; color: var(--accent-dark); }
.btn-light:hover { color: var(--accent-dark); opacity: .92; }
.btn-lg { height: 57px; padding: 0 32px; font-size: 18px; }
.btn-block { width: 100%; }

.accent-rule { width: 62px; height: 4px; background: var(--accent); border-radius: 2px; margin: 8px 0; }
.accent-rule-grey { background: #b9c4cf; }
.section-head.center .accent-rule { margin-left: auto; margin-right: auto; }

/* ---------- Stripe + utility bar ---------- */
.stripe { height: 4px; background: var(--accent); }

.utility-bar {
  height: 40px;
  padding: 0 64px;
  background: var(--navy-deep);
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.utility-text { font-size: 14px; color: #c9d1da; }
.utility-right { display: flex; align-items: center; gap: 20px; }
.utility-link { font-size: 14px; font-weight: 600; color: #fff; }
.utility-link:hover { color: #fff; opacity: .8; }
.utility-sep { font-size: 14px; color: #6f7883; }
.utility-phone { display: inline-flex; align-items: center; gap: 7px; font-family: "Sora", sans-serif; font-size: 15px; font-weight: 600; color: #fff; }
.utility-phone:hover { color: #fff; opacity: .8; }

/* ---------- Header ---------- */
.site-header {
  min-height: 86px;
  margin: 12px 12px 0;
  padding: 10px 52px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 16px;
  box-shadow: 0 14px 34px rgba(13, 34, 55, .13);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  position: sticky;
  top: 12px;
  z-index: 50;
}
.logo { display: flex; align-items: center; gap: 12px; }
.brand-mark { border-radius: 10px; }
.logo-text { font-family: "Sora", sans-serif; font-weight: 700; font-size: 21px; letter-spacing: -.4px; color: var(--ink); }
.logo-the { color: #5c6470; font-weight: 600; }
.logo-real { color: var(--navy); }
.logo-buyers { color: var(--accent); }

.main-nav { display: flex; align-items: center; gap: 26px; }
.main-nav > a { font-size: 16px; font-weight: 600; color: var(--ink); transition: color .2s ease; }
.main-nav > a:hover { color: var(--accent); }
.nav-cta { color: #fff !important; }
.main-nav > a.nav-contact { color: var(--accent); }
.main-nav > a.nav-contact:hover { color: var(--navy); }
.main-nav > a.header-phone { display: inline-flex; align-items: center; gap: 8px; background: var(--accent); color: #fff; border-radius: 999px; padding: 11px 20px; font-family: "Sora", sans-serif; font-size: 15.5px; font-weight: 700; text-decoration: none; white-space: nowrap; box-shadow: 0 10px 24px rgba(200, 16, 46, .25); transition: background-color .2s ease, color .2s ease; }
.main-nav > a.header-phone:hover { background: #a30d26; color: #fff; }
.mobile-nav > a.nav-contact { color: var(--accent); }

.nav-dropdown { position: relative; display: flex; align-items: center; }
.nav-dropdown::after {
  content: "";
  position: absolute;
  top: 100%;
  left: -20px;
  width: 240px;
  height: 24px;
}
.nav-dropdown-trigger { display: inline-flex; align-items: center; gap: 6px; font-size: 16px; font-weight: 700; color: var(--navy); background: none; border: 0; padding: 0; font-family: inherit; cursor: pointer; transition: color .2s ease; }
.nav-dropdown-trigger:hover { color: var(--accent); }
.nav-chevron { transition: transform .15s ease; flex-shrink: 0; }
.nav-dropdown.open .nav-chevron { transform: rotate(180deg); }
.nav-dropdown-menu {
  position: absolute;
  top: 40px;
  left: -20px;
  width: 240px;
  padding: 12px 0;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 14px;
  box-shadow: var(--shadow-lift);
  display: flex;
  flex-direction: column;
  opacity: 0;
  visibility: hidden;
  transform: translateY(10px);
  transition: opacity .25s ease-out, transform .25s ease-out, visibility .25s ease-out;
  z-index: 60;
}
.nav-dropdown:hover .nav-dropdown-menu,
.nav-dropdown:focus-within .nav-dropdown-menu,
.nav-dropdown.open .nav-dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.nav-dropdown-menu a { padding: 11px 22px; font-size: 16px; font-weight: 600; color: var(--ink); }
.nav-dropdown-menu a:hover, .nav-dropdown-menu a:focus { background: var(--panel); color: var(--navy); }

.nav-toggle { display: none; }
.mobile-nav { display: none; }
.mobile-call { display: none; }

/* ---------- Hero (navy band) ---------- */
.hero {
  padding: 72px 64px 88px;
  background: linear-gradient(135deg, #175088 0%, #14487a 48%, #0d2f52 100%);
  display: grid;
  grid-template-columns: minmax(0, 1.02fr) minmax(0, .98fr);
  gap: 56px;
  align-items: start;
}
.hero-copy { display: flex; flex-direction: column; gap: 22px; padding-top: 30px; max-width: 620px; }
.badge {
  display: inline-flex;
  align-self: flex-start;
  align-items: center;
  gap: 8px;
  padding: 8px 15px;
  border-radius: 999px;
  background: var(--accent);
  color: #fff;
  font-size: 13.5px;
  font-weight: 700;
  letter-spacing: .5px;
}
.hero h1 { font-size: 56px; line-height: 1.05; letter-spacing: -1.6px; font-weight: 700; color: #fff; }
.hero-sub { margin: 0; font-size: 21px; line-height: 1.5; color: #d3e2ef; max-width: 520px; font-weight: 600; }
.hero-copy .lede { margin: 0; font-size: 20px; line-height: 1.55; color: #d3e2ef; max-width: 560px; }
.hero-copy .page-eyebrow {
  display: inline-flex; align-items: center; gap: 9px;
  font-family: "Sora", sans-serif; font-size: 13.5px; font-weight: 700;
  letter-spacing: 2px; color: var(--accent-soft);
}
.hero-copy .page-eyebrow svg { width: 17px; height: 17px; flex: 0 0 auto; }
.hero-checks { list-style: none; margin: 4px 0 0; padding: 0; display: flex; flex-direction: column; gap: 12px; }
.hero-checks li { display: flex; align-items: center; gap: 11px; font-size: 17.5px; color: #fff; }
.hero-checks svg { flex-shrink: 0; }

.hero-side { display: flex; flex-direction: column; min-width: 0; }
.hero-photo { border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-lift); }
.hero-photo img { width: 100%; height: 290px; object-fit: cover; display: block; }
.hero-side .offer-card { margin: -58px 26px 0; position: relative; }
.hero-side .sidebar-note { margin: 16px 6px 0; text-align: center; font-size: 15.5px; color: #c5d8ea; }
.hero-side .sidebar-note a { font-weight: 700; color: #fff; text-decoration: underline; text-underline-offset: 3px; }

/* ---------- Offer form card ---------- */
.offer-card {
  width: 100%;
  padding: 36px 38px;
  background: #fff;
  border-radius: var(--radius);
  box-shadow: var(--shadow-lift);
  display: flex;
  flex-direction: column;
  gap: 19px;
}
.offer-card-head { display: flex; flex-direction: column; gap: 5px; }
.offer-card-head h2 { font-size: 25px; font-weight: 700; letter-spacing: -.5px; }
.offer-card-head span { font-size: 16px; color: var(--muted); }
.field { display: flex; flex-direction: column; gap: 6px; }
.field-row { display: flex; gap: 12px; }
.field-row .field { flex-grow: 1; min-width: 0; }
.field label { font-size: 13px; font-weight: 700; letter-spacing: .2px; color: var(--ink); }
.optional-tag { font-weight: 400; color: var(--muted); text-transform: none; letter-spacing: 0; }
.field input, .field select, .field textarea {
  height: 49px;
  padding: 0 14px;
  border: 1px solid #c3cbd6;
  border-radius: 10px;
  font-family: inherit;
  font-size: 16px;
  color: var(--ink);
  background: #fff;
  width: 100%;
}
.field textarea { height: auto; min-height: 132px; padding: 12px 14px; line-height: 1.55; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { outline: 2px solid var(--navy); outline-offset: 1px; border-color: var(--navy); }
.fine-print { font-size: 13px; line-height: 1.5; color: var(--muted); text-align: center; }
.consent-field { display: flex; align-items: flex-start; gap: 10px; cursor: pointer; }
.consent-field input { margin-top: 3px; width: 16px; height: 16px; flex-shrink: 0; }
.consent-field span { font-size: 13px; line-height: 1.5; color: var(--muted); }
.consent-field a { text-decoration: underline; }

/* ---------- Trust strip ---------- */
.trust-strip {
  padding: 30px 64px;
  background: var(--panel);
  border-bottom: 1px solid var(--border);
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 24px;
  align-items: center;
}
.trust-item { display: flex; align-items: center; gap: 11px; }
.trust-item svg { flex-shrink: 0; }
.trust-item span { font-size: 15.5px; line-height: 1.4; color: var(--body); }
.trust-item strong { color: var(--ink); }

/* ---------- Section scaffolding ---------- */
.section-head { display: flex; flex-direction: column; gap: 10px; }
.section-head.center { align-items: center; text-align: center; }
.section-head h2 { font-size: 40px; font-weight: 700; letter-spacing: -1px; line-height: 1.12; }
.section-head p { margin: 0; font-size: 19px; line-height: 1.55; color: var(--body); max-width: 700px; }
.section-head.split { flex-direction: row; align-items: center; justify-content: space-between; }
.section-head.split h2 { font-size: 38px; letter-spacing: -.9px; }
.eyebrow { font-family: "Sora", sans-serif; font-size: 14.5px; font-weight: 700; letter-spacing: 2.2px; color: var(--accent); }
.eyebrow-light { display: block; font-size: 13px; font-weight: 700; letter-spacing: 1.4px; color: #9fbcd8; margin-bottom: 8px; }
.section-callout { display: inline-flex; align-items: center; padding: 8px 16px; border-radius: 10px; background: var(--accent); font-size: 16px; font-weight: 600; color: #fff; white-space: nowrap; }
.sec-sub, .section-sub { font-size: 18px; line-height: 1.6; color: var(--body); }
.inset { max-width: 1120px; margin: 0 auto; padding-left: 24px; padding-right: 24px; width: 100%; }
.inset--band { padding-top: 56px; }
.inset--quote { padding-top: 44px; }

/* ---------- Steps (flagship step rows) ---------- */
.steps2 { padding: 100px 64px; background: #fff; display: flex; flex-direction: column; gap: 44px; }
.step2-rows { display: flex; flex-direction: column; gap: 26px; max-width: 1120px; margin: 0 auto; width: 100%; }
.step2 {
  position: relative;
  display: grid;
  grid-template-columns: minmax(0, 5fr) minmax(0, 6fr);
  gap: 46px;
  align-items: center;
  background: var(--panel);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 42px;
  overflow: hidden;
}
.step2--flip .step2-media { order: 2; }
.step2--flip .step2-copy { order: 1; }
.step2-num {
  position: absolute; top: -14px; right: 26px; z-index: 0;
  font-family: "Sora", sans-serif; font-size: 128px; font-weight: 800; line-height: 1;
  color: rgba(20, 72, 122, .08); pointer-events: none;
}
.step2--flip .step2-num { right: auto; left: 26px; }
.step2-media { position: relative; z-index: 1; border-radius: 14px; overflow: hidden; min-height: 248px; box-shadow: var(--shadow-card); }
.step2-media img { width: 100%; height: 100%; min-height: 248px; object-fit: cover; display: block; }
.step2-media img.pos-left { object-position: 18% center; }
.step2-media img.pos-right { object-position: 80% center; }
.step2-media--tint {
  background: var(--tint); border: 1px solid var(--tint-border); box-shadow: none;
  display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 12px;
  padding: 28px; text-align: center;
}
.step2-media--tint span { font-family: "Sora", sans-serif; font-size: 15px; font-weight: 600; color: var(--navy); }
.step2-copy { position: relative; z-index: 1; display: flex; flex-direction: column; gap: 10px; }
.step2-label { font-family: "Sora", sans-serif; font-size: 13.5px; font-weight: 700; letter-spacing: 2px; color: var(--accent); text-transform: uppercase; }
.step2-copy h3 { font-size: 27px; font-weight: 700; letter-spacing: -.5px; }
.step2-copy p { margin: 0; font-size: 17.5px; line-height: 1.65; color: var(--body); }
.step2-copy .step-note { font-size: 14.5px; color: var(--muted); border-top: 1px solid var(--border); padding-top: 12px; }

/* Legacy step cards (inner pages) */
.steps-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 20px; }
.step-card { padding: 26px; background: #fff; border: 1px solid var(--border); border-top: 3px solid var(--accent); border-radius: var(--radius); display: flex; flex-direction: column; gap: 10px; box-shadow: var(--shadow-card); }
.step-label { font-family: "Sora", sans-serif; font-size: 13.5px; font-weight: 700; color: var(--accent); letter-spacing: 1.8px; }
.step-card h3 { font-size: 21px; font-weight: 600; }
.step-card p { margin: 0; font-size: 16px; line-height: 1.6; color: var(--body); }
.step-note { font-size: 14px; color: var(--muted); }
.steps-photo { margin: 0 0 26px; border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-card); }
.steps-photo img { width: 100%; height: 250px; object-fit: cover; display: block; }

/* ---------- Red CTA band ---------- */

/* ---------- Benefits ---------- */
.benefits { padding: 100px 64px; background: #fff; display: flex; flex-direction: column; gap: 34px; }
.benefits-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 16px; width: 100%; max-width: 1120px; margin: 0 auto; }
.benefits .section-head { width: 100%; max-width: 1120px; margin: 0 auto; }
.benefit-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 26px 22px; display: flex; flex-direction: column; gap: 11px; box-shadow: var(--shadow-card); }
.benefit-icon { width: 48px; height: 48px; border-radius: 13px; background: var(--tint); display: flex; align-items: center; justify-content: center; }
.benefit-card h3 { font-size: 17.5px; font-weight: 700; letter-spacing: -.2px; }
.benefit-card p { margin: 0; font-size: 15px; line-height: 1.6; color: var(--body); }

/* ---------- Situations checklist ---------- */
.who-we-help { padding: 100px 64px; display: flex; flex-direction: column; gap: 28px; }
.situations-check { display: flex; flex-direction: column; gap: 26px; }
main > .situations-check { padding: 100px 64px; }
.situations-list { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px 20px; }
.situations-list li { display: flex; gap: 12px; align-items: flex-start; background: #fff; border: 1px solid var(--border); border-radius: 14px; padding: 17px 19px; font-size: 16.5px; line-height: 1.55; color: var(--body); box-shadow: var(--shadow-card); }
.situations-list li svg { flex-shrink: 0; margin-top: 2px; }
.situations-list strong { color: var(--ink); font-family: "Sora", sans-serif; font-size: 16.5px; }
.situations-list a { color: var(--navy); font-weight: 700; }
.situations-list a:hover { color: var(--accent); }
.area-note { margin: 4px 0 0; font-size: 17px; line-height: 1.65; color: var(--body); max-width: 780px; }
.area-note strong { color: var(--ink); }

/* Who-we-help link cards (inner pages) */
.who-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; }
.who-card { padding: 22px; background: var(--panel); border: 1px solid var(--border); border-radius: var(--radius); display: flex; align-items: center; justify-content: space-between; gap: 12px; font-family: "Sora", sans-serif; font-size: 18px; font-weight: 600; color: var(--navy); }
.who-card svg { color: var(--accent); flex-shrink: 0; }
a.who-card { text-decoration: none; color: inherit; cursor: pointer; }
a.who-card:hover { border-color: var(--accent); }
.who-card-accent { background: var(--navy); color: #fff; }
.who-card-accent svg { color: #fff; }
.who-detail { padding: 60px 64px; display: flex; flex-direction: column; gap: 30px; }
.who-detail-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 20px; }
.who-detail-card { padding: 26px; background: #fff; border: 1px solid var(--border); border-radius: var(--radius); display: flex; flex-direction: column; gap: 10px; box-shadow: var(--shadow-card); }
.who-detail-card h3 { font-size: 20px; font-weight: 600; }
.who-detail-card p { margin: 0; font-size: 16px; line-height: 1.6; color: var(--body); }

/* ---------- Comparison (pricing cards) ---------- */
.compare { padding: 100px 64px; display: flex; flex-direction: column; gap: 34px; }
.compare-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 26px; align-items: start; }
.compare-col { padding: 34px; border-radius: var(--radius); display: flex; flex-direction: column; }
.compare-agent { background: #f2f5f7; border: 1px solid #dde4ea; border-top: 5px solid #b9c4cf; }
.compare-us { background: linear-gradient(150deg, #175088 0%, #14487a 55%, #103a63 100%); border-top: 5px solid var(--accent); box-shadow: var(--shadow-lift); }
.compare-col-head { padding-bottom: 20px; border-bottom: 1px solid #dde4ea; display: flex; flex-direction: column; gap: 3px; }
.compare-us .compare-col-head { border-bottom-color: var(--navy-line); }
.compare-agent h3 { font-size: 25px; font-weight: 700; color: #43505c; }
.compare-us h3 { font-size: 25px; font-weight: 700; color: #fff; }
.compare-agent .compare-col-head span { font-size: 16px; color: var(--muted); }
.compare-us .compare-col-head span { font-size: 16px; color: #c5d8ea; }
.compare-row { min-height: 64px; padding: 15px 28px; margin: 0 -34px; border-bottom: 1px solid #e6e8ec; display: flex; align-items: center; justify-content: space-between; gap: 14px; transition: background-color .15s ease; }
.compare-us .compare-row { border-bottom-color: var(--navy-line); }
.compare-row-last { border-bottom: none; }
.compare-agent .compare-row span { font-size: 16px; color: var(--muted); }
.compare-agent .compare-row strong { font-family: "Sora", sans-serif; font-size: 20px; font-weight: 700; color: #3d444e; text-align: right; }
.compare-us .compare-row span { font-size: 16px; color: #c5d8ea; }
.compare-us .compare-row strong { font-family: "Sora", sans-serif; font-size: 20px; font-weight: 700; color: #fff; text-align: right; }
.compare-row .row-label { display: inline-flex; align-items: center; gap: 8px; }
.compare-row .row-icon { flex-shrink: 0; }
.compare-stat { text-align: center; max-width: 720px; margin: 0 auto; display: flex; flex-direction: column; align-items: center; gap: 8px; }
.compare-stat-num { font-family: "Sora", sans-serif; font-size: clamp(2.6rem, 12.5vw, 3.25rem); font-weight: 800; letter-spacing: -1px; color: var(--navy); line-height: 1.05; white-space: nowrap; }
.compare-stat p { margin: 0; font-size: 18px; line-height: 1.6; color: var(--body); }
.compare-total { border-bottom: none; border-top: 2px solid #d3dbe3; margin-top: 8px; padding-top: 18px; padding-bottom: 4px; min-height: 0; }
.compare-agent .compare-total .row-label { font-family: "Sora", sans-serif; font-weight: 700; color: #43505c; }
.compare-us .compare-total { border-top-color: var(--navy-line); }
.compare-us .compare-total .row-label { font-family: "Sora", sans-serif; font-weight: 700; color: #fff; }
.compare-grid:has(.compare-row:nth-child(2):hover) .compare-agent > .compare-row:nth-child(2) { background: #e7eaee; }
.compare-grid:has(.compare-row:nth-child(2):hover) .compare-us > .compare-row:nth-child(2) { background: rgba(255,255,255,.1); }
.compare-grid:has(.compare-row:nth-child(3):hover) .compare-agent > .compare-row:nth-child(3) { background: #e7eaee; }
.compare-grid:has(.compare-row:nth-child(3):hover) .compare-us > .compare-row:nth-child(3) { background: rgba(255,255,255,.1); }
.compare-grid:has(.compare-row:nth-child(4):hover) .compare-agent > .compare-row:nth-child(4) { background: #e7eaee; }
.compare-grid:has(.compare-row:nth-child(4):hover) .compare-us > .compare-row:nth-child(4) { background: rgba(255,255,255,.1); }
.compare-grid:has(.compare-row:nth-child(5):hover) .compare-agent > .compare-row:nth-child(5) { background: #e7eaee; }
.compare-grid:has(.compare-row:nth-child(5):hover) .compare-us > .compare-row:nth-child(5) { background: rgba(255,255,255,.1); }
.compare-grid:has(.compare-row:nth-child(6):hover) .compare-agent > .compare-row:nth-child(6) { background: #e7eaee; }
.compare-grid:has(.compare-row:nth-child(6):hover) .compare-us > .compare-row:nth-child(6) { background: rgba(255,255,255,.1); }
.compare-grid:has(.compare-row:nth-child(7):hover) .compare-agent > .compare-row:nth-child(7) { background: #e7eaee; }
.compare-grid:has(.compare-row:nth-child(7):hover) .compare-us > .compare-row:nth-child(7) { background: rgba(255,255,255,.1); }

/* ---------- Offer formula ---------- */
.offer-formula { padding: 72px 64px; background: var(--panel); display: flex; flex-direction: column; gap: 30px; align-items: center; border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.formula-row { display: flex; align-items: center; gap: 12px; flex-wrap: wrap; justify-content: center; }
.formula-box { padding: 17px 22px; border-radius: 14px; font-family: "Sora", sans-serif; font-weight: 700; font-size: 15px; color: #fff; background: var(--navy); text-align: center; }
.formula-box-result { background: var(--accent); }
.formula-op { font-size: 22px; font-weight: 700; color: var(--muted); }
.formula-note { max-width: 820px; margin: 18px auto 0; text-align: center; font-size: 16px; line-height: 1.65; color: var(--body); }
.formula-note--disclaimer { font-size: 13.5px; color: var(--muted); max-width: 640px; }

/* ---------- Reviews ---------- */
.reviews { padding: 100px 64px; background: #fff; display: flex; flex-direction: column; gap: 20px; }
.reviews-head { display: flex; align-items: center; gap: 14px; justify-content: center; }
.reviews-rating { display: flex; align-items: center; gap: 8px; }
.reviews-rating strong { font-family: "Sora", sans-serif; font-size: 24px; color: var(--ink); }
.reviews-stars { display: inline-flex; gap: 2px; }
.reviews-count { font-size: 14px; color: var(--muted); text-decoration: none; }
.reviews-count:hover { text-decoration: underline; }
.reviews-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; max-width: 1080px; margin: 0 auto; width: 100%; }
.review-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 24px; display: flex; flex-direction: column; gap: 11px; box-shadow: var(--shadow-card); }
.review-card p { margin: 0; font-size: 15.5px; line-height: 1.6; color: var(--body); }
.review-name { font-size: 14px; font-weight: 700; color: var(--navy); }
.review-strip { max-width: 860px; margin: 0 auto; padding: 40px 24px 14px; text-align: center; }
.review-strip h2 { font-size: 21px; margin: 0 0 8px; }
.review-strip p { color: var(--muted); font-size: 15px; margin: 0 0 18px; }
.btn-google { display: inline-flex; align-items: center; gap: 10px; background: #fff; color: #1f2937; border: 1px solid #d7dee8; height: 50px; padding: 0 24px; border-radius: 12px; font-weight: 700; font-size: 16px; text-decoration: none; box-shadow: 0 2px 10px rgba(15,40,80,.08); }
.btn-google:hover { border-color: #b9c6d8; box-shadow: 0 4px 16px rgba(15,40,80,.12); color: #111827; }

/* ---------- Stat / skip cards (fastest-way block) ---------- */
.fastest-way { padding: 72px 64px; background: var(--panel); display: grid; grid-template-columns: 1.1fr 1fr; gap: 48px; align-items: start; }
.fastest-way-copy h2 { font-size: 34px; font-weight: 700; letter-spacing: -.8px; margin: 0 0 16px; }
.fastest-way-copy p { margin: 0 0 20px; font-size: 17px; line-height: 1.65; color: var(--body); }
.fastest-way-cards { display: flex; flex-direction: column; gap: 16px; }
.stat-card { background: var(--navy); border-radius: var(--radius); padding: 26px; color: #fff; }
.stat-value { font-family: "Sora", sans-serif; font-size: 40px; font-weight: 700; }
.stat-unit { font-size: 16px; font-weight: 600; margin-left: 6px; }
.stat-card p { margin: 10px 0 0; font-size: 15px; line-height: 1.5; color: #c5d8ea; }
.skip-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 26px; box-shadow: var(--shadow-card); }
.skip-card .eyebrow { display: block; margin-bottom: 14px; }
.skip-list { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 12px; }
.skip-list li { display: flex; align-items: center; gap: 10px; font-size: 15px; font-weight: 600; color: var(--ink); }
.skip-list svg { flex-shrink: 0; }

/* ---------- Founder ---------- */
.founder { padding: 100px 64px; background: #fff; display: flex; gap: 52px; align-items: center; }
.founder-photo { width: 320px; height: 360px; flex-shrink: 0; background: var(--tint); border: 1px solid var(--tint-border); border-radius: var(--radius); display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 10px; padding: 24px; text-align: center; }
.founder-photo-brand { border-style: solid; border-color: var(--border); background: #fff; }
.photo-label { font-size: 14px; font-weight: 700; letter-spacing: .8px; color: #5d7086; }
.photo-hint { font-size: 14px; line-height: 1.5; color: #5d7086; }
.founder-copy { display: flex; flex-direction: column; gap: 18px; }
.founder-copy h2 { font-size: 38px; letter-spacing: -.9px; }
.founder-copy p { margin: 0; font-size: 19px; line-height: 1.6; color: var(--body); max-width: 640px; }
.signature-block { display: flex; align-items: center; gap: 20px; margin-top: 6px; padding-left: 18px; border-left: 4px solid var(--accent); }
.signature { font-family: "Sora", sans-serif; font-size: 26px; font-style: italic; color: var(--navy); }
.signature-meta { font-size: 15px; color: var(--muted); line-height: 1.4; }

/* ---------- Disclosure ---------- */
.disclosure { padding: 48px 64px; background: var(--panel); border-top: 1px solid var(--border); display: flex; gap: 22px; align-items: flex-start; }
.disclosure-icon { flex-shrink: 0; margin-top: 3px; }
.disclosure h2 { font-size: 26px; font-weight: 700; letter-spacing: -.5px; margin-bottom: 10px; }
.disclosure p { margin: 0; font-size: 17px; line-height: 1.65; color: var(--body); max-width: 1000px; }

/* ---------- Final CTA (navy band) ---------- */
.final-cta { padding: 72px 64px; background: linear-gradient(135deg, #175088 0%, #14487a 55%, #0d2f52 100%); display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 20px; text-align: center; }
.final-cta h2 { font-size: 40px; font-weight: 700; letter-spacing: -1px; color: #fff; }
.final-cta p { margin: 0; font-size: 19px; color: #c5d8ea; max-width: 660px; }
.final-cta-actions { display: flex; align-items: center; gap: 14px; flex-wrap: wrap; justify-content: center; }

/* ---------- Footer ---------- */
.site-footer { padding: 44px 64px; background: var(--navy-deep); border-top: 4px solid var(--accent); display: flex; flex-direction: column; gap: 22px; }
.footer-top { display: flex; align-items: flex-start; justify-content: space-between; gap: 40px; }
.footer-brand { display: flex; flex-direction: column; gap: 6px; }
.footer-logo { font-family: "Sora", sans-serif; font-weight: 700; font-size: 19px; color: #fff; }
.footer-logo-real { color: #9fbcd8; }
.footer-logo-buyers { color: #e8536c; }
.footer-llc { font-size: 15px; color: #98a1ad; }
.footer-email { font-size: 15px; color: #c8d2dd; text-decoration: none; padding: 6px 0; }
.footer-email:hover { text-decoration: underline; }
.footer-social { display: inline-flex; align-items: center; gap: 7px; font-size: 15px; color: #c8d2dd; text-decoration: none; padding: 6px 0; }
.footer-social:hover { text-decoration: underline; }
.footer-social .fb-icon, a .fb-icon { color: #c8d2dd; flex-shrink: 0; }
.footer-cities { display: flex; flex-direction: column; gap: 8px; max-width: 700px; }
.footer-cities-label { font-size: 13px; font-weight: 700; letter-spacing: 1.4px; color: #9aa8b5; }
.footer-cities-list { display: flex; flex-wrap: wrap; gap: 8px 20px; }
.footer-cities-list a { font-size: 15px; color: #c9d1da; }
.footer-cities-list a:hover { color: #fff; }
.footer-cities-list .footer-city { font-size: 15px; color: #8b95a1; }
.footer-disclaimer { font-size: 13px; line-height: 1.55; color: #7e8793; max-width: 1000px; }
.footer-legal { display: flex; flex-wrap: wrap; gap: 6px 18px; }
.footer-legal a { font-size: 13px; color: #98a1ad; display: inline-block; padding: 6px 0; }
.footer-legal a:hover { color: #fff; }

/* ==========================================================
   INNER PAGES — compact header + sticky sidebar + content
   ========================================================== */
.page-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 372px;
  column-gap: 56px;
  align-items: start;
  padding: 0 64px;
}
.page-header { grid-column: 1 / -1; margin: 0 -64px; padding: 52px 64px 40px; position: relative; overflow: hidden; background: linear-gradient(120deg, #175088 0%, #14487a 55%, #123a5e 100%); border-bottom: 4px solid var(--accent); }
.page-header > * { position: relative; z-index: 1; }
.page-header .page-eyebrow { display: inline-flex; align-items: center; gap: 9px; font-family: "Sora", sans-serif; font-size: 13.5px; font-weight: 700; letter-spacing: 2px; color: #bcd6ee; margin-bottom: 14px; }
.page-header .page-eyebrow svg { width: 17px; height: 17px; flex: 0 0 auto; }
.page-header h1 { margin: 0; max-width: 940px; font-size: 46px; line-height: 1.08; letter-spacing: -1.2px; color: #fff; }
.page-header .lede { margin: 16px 0 0; max-width: 780px; font-size: 20px; line-height: 1.55; color: #d3e2ef; }

.page-sidebar { grid-column: 2; grid-row: 2; position: sticky; top: 24px; padding: 34px 0 48px; min-width: 0; }
.page-sidebar .offer-card { border: 1px solid var(--border); border-top: 5px solid var(--navy); box-shadow: var(--shadow-card); }
.sidebar-note { margin: 14px 6px 0; text-align: center; font-size: 15.5px; color: var(--muted); }
.sidebar-note a { font-weight: 700; color: var(--navy); }

.page-body { grid-column: 1; grid-row: 2; min-width: 0; padding: 34px 0 8px; }
.page-body > section { padding-left: 0; padding-right: 0; }
.page-body > * + * { margin-top: 44px; }
.page-body .section-head h2 { font-size: 32px; letter-spacing: -.7px; }
.page-body .section-head { margin-bottom: 10px; }
.page-body .section-head h2 { margin-bottom: 4px; }
.page-body .eyebrow { font-size: 14px; letter-spacing: 2.6px; }
.page-body .accent-rule { width: 84px; height: 5px; margin: 14px 0 6px; }
.page-body .section-head.center .accent-rule { margin-left: auto; margin-right: auto; }
.page-body .how-it-works, .page-body .offer-formula { border-radius: var(--radius); }
.page-body .benefits { background: transparent; border: none; padding: 8px 0; }
.page-body .after-contact, .page-body .principles, .page-body .decide-helper { padding-top: 56px; padding-bottom: 56px; }
.page-body .compare { padding-bottom: 20px; }
.page-body .decide-helper { padding-top: 28px; }

/* How-it-works band on inner pages: calm light panel */
.how-it-works { padding: 60px 64px; background: var(--panel); border: 1px solid var(--border); display: flex; flex-direction: column; gap: 30px; }

/* Light panel (was navy-panel): blue-gray gradient, white cards */
.page-body .navy-panel {
  position: relative; overflow: hidden;
  background: linear-gradient(180deg, #f5f9fc 0%, #eef4fa 100%);
  border: 1px solid var(--tint-border);
  border-radius: 22px;
  padding: 56px 50px;
  color: var(--body);
}
.page-body .navy-panel > * { position: relative; z-index: 1; }
.page-body .navy-panel .section-head h2 { color: var(--ink); }
.page-body .navy-panel .section-head p { color: var(--body); }
.page-body .navy-panel .eyebrow { color: var(--accent); }
.page-body .navy-panel .accent-rule { background: var(--accent); }
.page-body .navy-panel p { color: var(--body); }
.page-body .navy-panel a { color: var(--navy); }
.page-body .navy-panel a:hover { color: var(--navy-dark); }
.page-body .navy-panel strong { color: var(--ink); }
.page-body .navy-panel .area-note { color: var(--body); }
.page-body .navy-panel:not(.timeline) .area-card,
.page-body .navy-panel .intel-card,
.page-body .navy-panel .who-card:not(.who-card--list):not(.who-card--cash):not(.who-card--either):not(.who-card--promise),
.page-body .navy-panel .walk-step { background: #fff; border: 1px solid var(--border); box-shadow: var(--shadow-card); }
.page-body .navy-panel:not(.timeline) .area-card h3,
.page-body .navy-panel .intel-card h3,
.page-body .navy-panel .walk-step h3 { color: var(--navy); }
.page-body .navy-panel .who-card:not(.who-card--list):not(.who-card--cash):not(.who-card--either):not(.who-card--promise) strong { color: var(--navy); }
.page-body .navy-panel:not(.timeline) .area-card p,
.page-body .navy-panel .intel-card p,
.page-body .navy-panel .who-card:not(.who-card--list):not(.who-card--cash):not(.who-card--either):not(.who-card--promise) span,
.page-body .navy-panel .walk-step p { color: var(--body); }
.page-body .navy-panel .intel-card { border-left: 4px solid var(--accent); }
.page-body .navy-panel .walk-step::before { color: #edf1f6; }
.page-body .navy-panel .walk-step .walk-num { color: var(--accent); }
.page-body .navy-panel.timeline .area-card h3 { color: var(--navy); }
.page-body .navy-panel.timeline .area-card p { color: var(--body); }
.page-body .navy-panel.timeline .area-card::before { background: var(--navy); color: #fff; }
.page-body .navy-panel.timeline .area-card::after { background: #d5dfe9; }
.page-body .navy-panel .formula-box { background: var(--navy); border: none; color: #fff; }
.page-body .navy-panel .formula-box-result { background: #fff; border: 1px solid #d3e2d3; border-top: 4px solid #27a35c; color: var(--green); }
.page-body .navy-panel .formula-op { color: var(--muted); }
.page-body .navy-panel .formula-note { color: var(--body); }
.page-body .navy-panel .pull-quote { background: #fff; border-left-color: var(--accent); box-shadow: var(--shadow-card); }
.page-body .navy-panel .pull-quote p { color: var(--navy); }
.page-body .navy-panel .reassure { background: #fff; border-color: var(--tint-border); }
.page-body .navy-panel .reassure p { color: var(--body); }

/* Stat band */
.stat-band { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; background: linear-gradient(135deg, #175088 0%, #14487a 60%, #103a63 100%); border-radius: var(--radius); padding: 28px 30px; margin: 4px 0; box-shadow: var(--shadow-card); }
.stat { display: flex; flex-direction: column; gap: 3px; }
.stat strong { font-family: "Sora", sans-serif; font-size: 31px; font-weight: 700; letter-spacing: -.5px; color: #fff; }
.stat span { font-size: 15px; line-height: 1.45; color: #bfd4e8; }
.page-body .stat-band:has(+ section.how-it-works) { border-radius: 20px 20px 0 0; margin-bottom: 0; padding-bottom: 10px; }
.page-body .stat-band:has(+ section.how-it-works) + section.how-it-works { border-radius: 0 0 20px 20px; margin-top: 0; padding-top: 26px; }

/* Pull quote + reassurance */
.pull-quote { margin: 4px 0; padding: 26px 30px; border-left: 4px solid var(--accent); border-radius: 0 14px 14px 0; background: var(--panel); }
.pull-quote p { margin: 0; font-family: "Sora", sans-serif; font-size: 21.5px; font-weight: 600; line-height: 1.45; letter-spacing: -.3px; color: var(--navy); }
.reassure { display: flex; gap: 14px; align-items: flex-start; background: #f2f7fb; border: 1px solid #d5e3ef; border-radius: 14px; padding: 24px 26px; margin: 4px 0; }
.reassure svg { flex: 0 0 auto; margin-top: 3px; }
.reassure p { margin: 0; font-size: 17.5px; line-height: 1.6; color: var(--body); }
.reassure strong { color: var(--ink); }

/* Step cards inside page-body: ghost numbers */
.page-body .steps-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 22px; counter-reset: stepnum; }
.page-body .step-card { position: relative; overflow: hidden; counter-increment: stepnum; padding: 30px 28px; }
.page-body .step-card::after { content: counter(stepnum, decimal-leading-zero); position: absolute; right: 6px; bottom: -18px; font-family: "Sora", sans-serif; font-size: 110px; font-weight: 800; line-height: 1; color: rgba(20, 72, 122, .09); pointer-events: none; }
.page-body .step-card > * { position: relative; }
.page-body .step-card h3 { font-size: 21px; }
.page-body .step-card p { line-height: 1.65; }
.page-variant--editorial .step-card { border-top: 4px solid var(--navy); }

/* Formula inside page-body: pills + breakdown hierarchy */
.page-body .formula-row { gap: 14px; }
.page-body .formula-pill { padding: 20px 26px; font-size: 16px; border-radius: 14px; line-height: 1.5; box-shadow: var(--shadow-card); }
.page-body .formula-op { font-size: 26px; color: var(--navy); }
.page-body .formula-note { font-size: 17px; line-height: 1.7; max-width: 760px; }
.page-body .formula-box .fb-title { display: block; font-size: 19px; font-weight: 800; letter-spacing: -.3px; margin-bottom: 10px; }
.page-body .formula-box .fb-line { display: block; font-size: 14.5px; font-weight: 500; opacity: .82; line-height: 1.9; }
.page-body .formula-box .fb-net { display: block; font-size: 21px; font-weight: 800; letter-spacing: -.3px; margin-top: 12px; padding-top: 12px; border-top: 1px solid rgba(255,255,255,.28); }

/* Inner-page comparison: paired tint cells */
.page-body .compare-grid { display: block; }
.compare-col-head-row { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; margin-bottom: 12px; }
.compare-agent-head { background: var(--tint-cool); border: 1px solid var(--tint-cool-border); border-top: 5px solid var(--tint-cool-deep); border-radius: var(--radius); padding: 24px; }
.compare-us-head { background: var(--tint-warm); border: 1px solid var(--tint-warm-border); border-top: 5px solid var(--accent); border-radius: var(--radius); padding: 24px; }
.compare-agent-head h3 { font-size: 24px; font-weight: 700; color: var(--navy); margin: 0 0 4px; }
.compare-us-head h3 { font-size: 24px; font-weight: 700; color: var(--tint-warm-deep); margin: 0 0 4px; }
.compare-agent-head span { font-size: 16px; color: var(--muted); }
.compare-us-head span { font-size: 16px; color: var(--muted); }
.compare-pair { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; margin-bottom: 10px; }
.compare-cell { padding: 20px 22px; border-radius: 14px; font-size: 16.5px; line-height: 1.65; transition: background-color .18s ease, box-shadow .18s ease; }
.compare-agent-cell { background: var(--tint-cool); border: 1px solid var(--tint-cool-border); color: var(--body); }
.compare-us-cell { background: var(--tint-warm); border: 1px solid var(--tint-warm-border); color: var(--body); }
.compare-cell strong { color: var(--ink); }
.compare-pair:hover .compare-agent-cell { background: #d8e8f8; box-shadow: 0 2px 12px rgba(47,109,179,.18); }
.compare-pair:hover .compare-us-cell { background: #fbe7ea; box-shadow: 0 2px 12px rgba(156,36,56,.14); }
.page-body .compare-agent { background: var(--tint-cool); border: 1px solid var(--tint-cool-border); border-top: 5px solid var(--tint-cool-deep); }
.page-body .compare-us { background: var(--tint-warm); border: 1px solid var(--tint-warm-border); border-top: 5px solid var(--accent); box-shadow: none; }
.page-body .compare-agent .compare-col-head { border-bottom-color: var(--tint-cool-border); min-height: 0; padding-bottom: 20px; margin-bottom: 6px; }
.page-body .compare-us .compare-col-head { border-bottom-color: var(--tint-warm-border); min-height: 0; padding-bottom: 20px; margin-bottom: 6px; }
.page-body .compare-agent h3 { color: var(--navy); font-size: 25px; }
.page-body .compare-us h3 { color: var(--tint-warm-deep); font-size: 25px; }
.page-body .compare-agent .compare-col-head span { color: #4a6b8a; }
.page-body .compare-us .compare-col-head span { color: var(--muted); }
.page-body .compare-col ul { list-style: none; margin: 20px 0 0; padding: 0; }
.page-body .compare-col li { font-size: 16.5px; line-height: 1.7; padding: 14px 12px; margin: 0 -10px; border-radius: 8px; border-bottom: 1px solid; transition: background .15s ease; }
.page-body .compare-col li:last-child { border-bottom: none; }
.page-body .compare-agent li { border-bottom-color: var(--tint-cool-border); color: var(--body); }
.page-body .compare-agent li:hover { background: #dde9f7; }
.page-body .compare-us li { border-bottom-color: var(--tint-warm-border); color: var(--body); }
.page-body .compare-us li:hover { background: rgba(200, 16, 46, .06); }
.page-body .compare-us .compare-row span { color: var(--body); }
.page-body .compare-us .compare-row strong { color: var(--ink); }
.page-body .compare-us .compare-row { border-bottom-color: var(--tint-warm-border); }
.page-body .compare-agent .compare-row { border-bottom-color: var(--tint-cool-border); }

/* Who-card variants (agent vs cash buyer) */
.page-body .who-card { flex-direction: column; align-items: flex-start; justify-content: flex-start; padding: 28px 26px; }
.page-body .who-card span { line-height: 1.7; }
.who-tag { display: inline-flex; align-items: center; gap: 6px; font-family: "Sora", sans-serif; font-size: 12px; font-weight: 700; letter-spacing: 1.6px; padding: 6px 12px; border-radius: 20px; margin-bottom: 14px; }
.who-card--list { background: var(--tint-cool); border: 1px solid var(--tint-cool-border); }
.who-card--list .who-tag { background: #d5e4f6; color: var(--navy); }
.who-card--cash { background: #fff; border: 1px solid #d3e2d3; border-top: 4px solid #27a35c; }
.who-card--cash .who-tag { background: #dcf0e2; color: var(--green); }
.who-card--cash .who-tag svg { stroke: var(--green); }
.page-body .who-card--cash strong { color: var(--green); }
.who-card--either { background: var(--panel); border: 1px solid var(--border); }
.who-card--either .who-tag { background: #e2e8ee; color: var(--muted); }
.who-card--promise { background: var(--navy); border: 1px solid var(--navy-dark); border-top: 5px solid var(--accent); }
.who-card--promise .who-tag { background: rgba(255, 255, 255, .14); color: #ffd97a; }
.page-body .who-card--promise span { color: #e8f0f8; }
.page-body .who-card--promise strong { color: #fff; }

/* Decision helper */
.decide-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; margin-top: 30px; }
.decide-card { border-radius: var(--radius); padding: 32px 30px 26px; }
.decide-card h3 { font-family: "Sora", sans-serif; font-size: 21px; margin: 0 0 10px; letter-spacing: -.4px; }
.decide-card ul { margin: 0; padding: 0; list-style: none; }
.decide-card li { position: relative; padding: 12px 0 12px 30px; font-size: 17px; line-height: 1.6; border-bottom: 1px solid; }
.decide-card li:last-child { border-bottom: none; }
.decide-card li::before { content: "\2713"; position: absolute; left: 2px; top: 12px; font-weight: 700; }
.decide-list { background: #f2f6fa; border: 1px solid #d9e3ec; }
.decide-list h3 { color: var(--navy); }
.decide-list li { border-bottom-color: #dfe7ef; color: var(--body); }
.decide-list li::before { color: var(--navy); }
.decide-cash { background: var(--navy); }
.decide-cash h3 { color: #fff; }
.decide-cash li { border-bottom-color: var(--navy-line); color: #d7e4f1; }
.decide-cash li::before { color: #7ee2a8; }

/* Walkthrough steps (about) */
.walk-steps { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 24px; margin-top: 30px; }
.walk-step { position: relative; overflow: hidden; background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow-card); }
.walk-step::before { content: attr(data-n); position: absolute; right: 12px; top: 2px; font-family: "Sora", sans-serif; font-size: 68px; font-weight: 700; line-height: 1; color: #edf1f6; }
.walk-step .walk-num { display: block; position: relative; font-family: "Sora", sans-serif; font-size: 13px; font-weight: 700; letter-spacing: 1.8px; color: var(--accent); margin-bottom: 8px; }
.walk-step h3 { position: relative; font-family: "Sora", sans-serif; font-size: 19px; color: var(--navy); margin: 0 0 8px; letter-spacing: -.3px; }
.walk-step p { position: relative; margin: 0; font-size: 16px; line-height: 1.6; color: var(--body); }

/* Timeline (advisor variant) */
.timeline .areas-grid { display: flex; flex-direction: column; gap: 0; max-width: 660px; counter-reset: tl-step; }
.timeline .area-card { position: relative; background: transparent; border: none; border-radius: 0; box-shadow: none; padding: 0 0 30px 62px; }
.timeline .area-card::before { counter-increment: tl-step; content: counter(tl-step); position: absolute; left: 0; top: 0; width: 42px; height: 42px; border-radius: 50%; background: var(--navy); color: #fff; font-family: "Sora", sans-serif; font-weight: 700; font-size: 17px; display: flex; align-items: center; justify-content: center; }
.timeline .area-card::after { content: ""; position: absolute; left: 20px; top: 48px; bottom: 2px; width: 2px; background: #d5dfe9; }
.timeline .area-card:last-child { padding-bottom: 4px; }
.timeline .area-card:last-child::after { display: none; }
.timeline .area-card h3 { color: var(--navy); margin-bottom: 8px; }

/* Local variant intel band */
.page-variant--local .local-intel { background: #f2f7fb; border: 1px solid #d5e3ef; border-radius: var(--radius); padding: 40px 38px; }
.page-variant--local .intel-card { background: #fff; border-left-color: var(--navy); }
.page-layout:not(.page-variant--local) .page-body .local-intel { background: #fff; border: 2px solid #bcd4ea; border-radius: 20px; padding: 48px 44px; }

/* Soft glow behind inner section heads */
.page-body > section:not(.navy-panel) .section-head { position: relative; }
.page-body > section:not(.navy-panel) .section-head::before { content: ""; position: absolute; left: -48px; top: -58px; width: 230px; height: 230px; border-radius: 50%; pointer-events: none; background: radial-gradient(circle, rgba(20,72,122,.09) 0%, rgba(20,72,122,0) 68%); }
.page-body > section:not(.navy-panel) .section-head.center::before { left: 50%; transform: translateX(-50%); }
.page-body > section:not(.navy-panel) .section-head > * { position: relative; }
.page-body section.local-areas:not(.timeline):not(.navy-panel) .area-card { border-top: 4px solid var(--navy); }

/* FAQ */
.page-body .faq, main > .faq { background: linear-gradient(180deg, #f3f8fd 0%, #e9f2fb 100%); border: 1px solid #c9dcf0; border-radius: 20px; padding: 48px 44px; }
.faq-list { display: flex; flex-direction: column; gap: 14px; max-width: 860px; }
.faq-item { border: 1px solid var(--border); border-radius: 14px; background: #fff; overflow: hidden; }
.faq-item summary { padding: 18px 20px; font-family: "Sora", sans-serif; font-size: 17px; font-weight: 600; color: var(--navy); cursor: pointer; list-style: none; display: flex; justify-content: space-between; align-items: center; gap: 12px; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: "+"; font-size: 22px; color: var(--accent); flex-shrink: 0; }
.faq-item[open] summary::after { content: "–"; }
.faq-item p { margin: 0; padding: 0 20px 20px; font-size: 16px; line-height: 1.7; color: var(--body); }

/* Local / content sections */
.breadcrumb { padding: 14px 64px 0; font-size: 14px; color: var(--muted); }
.breadcrumb a { color: var(--navy); font-weight: 600; }
.breadcrumb span[aria-hidden] { margin: 0 6px; }
.local-areas, .situations, .local-intel, .faq { padding: 60px 64px; display: flex; flex-direction: column; gap: 26px; }
.local-areas { background: var(--panel); }
.areas-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; }
.area-card { padding: 26px; background: #fff; border: 1px solid var(--border); border-radius: var(--radius); display: flex; flex-direction: column; gap: 10px; box-shadow: var(--shadow-card); }
.area-card h3 { font-size: 19px; font-weight: 600; color: var(--navy); }
.area-card p { margin: 0; font-size: 16px; line-height: 1.65; color: var(--body); }
.situations .who-card { align-items: flex-start; }
.situations .who-card span { font-family: "Source Sans 3", sans-serif; font-size: 16px; font-weight: 400; color: var(--body); line-height: 1.6; }
.situations .who-card strong { font-family: "Sora", sans-serif; font-size: 17px; color: var(--navy); }
.intel-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; }
.intel-card { padding: 26px; background: #fff; border: 1px solid var(--border); border-left: 4px solid var(--accent); border-radius: var(--radius); display: flex; flex-direction: column; gap: 10px; box-shadow: var(--shadow-card); }
.intel-card h3 { font-size: 19px; font-weight: 600; color: var(--navy); }
.intel-card p { margin: 0; font-size: 16px; line-height: 1.65; color: var(--body); }
.resource-list { margin: 4px 0 0; padding-left: 20px; display: flex; flex-direction: column; gap: 8px; font-size: 16px; color: var(--body); }

/* Scroll reveal */
.reveal { opacity: 0; transform: translateY(18px); transition: opacity .55s ease, transform .55s ease; }
.reveal.in-view { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1 !important; transform: none !important; transition: none !important; }
}

/* ============================================================
   BLOG — index cards + article typography
   ============================================================ */
.blog-wrap { max-width: 1080px; margin: 0 auto; padding: 56px 24px 72px; }
.blog-head { max-width: 720px; margin: 0 auto 40px; text-align: center; }
.blog-head h1 { font-size: clamp(30px, 4.4vw, 42px); line-height: 1.15; color: var(--ink); margin-bottom: 14px; }
.blog-head p { font-size: 18px; line-height: 1.6; color: var(--muted); margin: 0; }
.blog-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 20px; }
.blog-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 26px 24px; display: flex; flex-direction: column; gap: 10px; box-shadow: var(--shadow-card); }
.blog-card time { font-size: 13px; font-weight: 700; letter-spacing: 1.1px; text-transform: uppercase; color: var(--accent); }
.blog-card h2 { font-size: 21px; line-height: 1.3; margin: 0; }
.blog-card h2 a { color: var(--ink); }
.blog-card h2 a:hover { color: var(--navy); }
.blog-card p { margin: 0; font-size: 15.5px; line-height: 1.6; color: var(--body); flex: 1; }
.blog-card .blog-more { font-family: "Sora", sans-serif; font-weight: 600; font-size: 15px; color: var(--navy); }
.blog-card .blog-more:hover { color: var(--accent); }

.article-wrap { max-width: 720px; margin: 0 auto; padding: 48px 24px 64px; }
.article-meta { font-size: 14px; font-weight: 600; letter-spacing: .4px; color: var(--muted); margin-bottom: 14px; }
.article-wrap h1 { font-size: clamp(29px, 4.2vw, 40px); line-height: 1.18; color: var(--ink); margin-bottom: 18px; }
.article-lede { font-size: 19px; line-height: 1.65; color: var(--body); margin: 0 0 10px; }
.article-body { font-size: 17.5px; line-height: 1.72; color: var(--body); }
.article-body p { margin: 0 0 20px; }
.article-body h2 { font-size: 25px; line-height: 1.3; color: var(--ink); margin: 42px 0 14px; }
.article-body h3 { font-size: 20px; line-height: 1.35; color: var(--ink); margin: 30px 0 10px; }
.article-body ul, .article-body ol { margin: 0 0 20px; padding-left: 24px; }
.article-body li { margin-bottom: 9px; }
.article-body a { color: var(--navy); font-weight: 600; text-decoration: underline; text-underline-offset: 2px; }
.article-body a:hover { color: var(--accent); }
.article-body strong { color: var(--ink); }
.article-note { background: #f4f7fb; border: 1px solid var(--border); border-left: 4px solid var(--navy); border-radius: 12px; padding: 16px 18px; font-size: 15.5px; line-height: 1.6; margin: 0 0 24px; }
.article-cta { background: linear-gradient(135deg, #175088 0%, #14487a 60%, #103a63 100%); border-radius: var(--radius); padding: 36px 30px; margin-top: 48px; text-align: center; }
.article-cta h2 { color: #fff; font-size: 25px; margin: 0 0 10px; }
.article-cta p { color: #d7e4f1; font-size: 16.5px; line-height: 1.6; margin: 0 auto 22px; max-width: 520px; }
.article-cta .cta-row { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }

/* --- Blog: image-led cards, article hero, related posts --- */
.blog-card { padding: 0; overflow: hidden; transition: transform .25s ease, box-shadow .25s ease; }
.blog-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lift); }
.blog-card-media { position: relative; display: block; aspect-ratio: 16 / 9; overflow: hidden; background: var(--panel); }
.blog-card-media img { width: 100%; height: 100%; object-fit: cover; display: block; transition: transform .45s ease; }
.blog-card:hover .blog-card-media img { transform: scale(1.04); }
.blog-cat { position: absolute; left: 14px; bottom: 14px; background: var(--navy); color: #fff; font-family: "Sora", sans-serif; font-size: 11.5px; font-weight: 700; letter-spacing: 1.2px; text-transform: uppercase; padding: 6px 11px; border-radius: 999px; box-shadow: 0 6px 16px rgba(13, 34, 55, .28); }
.blog-card-body { padding: 22px 24px 24px; display: flex; flex-direction: column; gap: 10px; flex: 1; }
.blog-card h3 { font-size: 19px; line-height: 1.32; margin: 0; }
.blog-card h3 a { color: var(--ink); }
.blog-card h3 a:hover { color: var(--navy); }

.article-hero { position: relative; margin: 26px 0 0; }
.article-hero img { width: 100%; aspect-ratio: 16 / 8; object-fit: cover; display: block; border-radius: var(--radius); box-shadow: var(--shadow-card); }
.article-hero .blog-cat { left: 18px; bottom: 18px; }
.article-submeta { margin: 15px 0 26px; font-size: 14px; font-weight: 600; letter-spacing: .4px; color: var(--muted); }

.article-related { margin-top: 56px; }
.article-related > h2 { font-size: 25px; line-height: 1.3; color: var(--ink); margin: 0 0 20px; }
.related-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.related-grid .blog-card-body { padding: 16px 18px 18px; gap: 8px; }
.related-grid .blog-card h3 { font-size: 16.5px; }
@media (max-width: 700px) {
  .related-grid { grid-template-columns: 1fr; }
  .article-hero img { aspect-ratio: 16 / 10; }
}

/* --- Blog article: split header, two-column layout, sticky sidebar --- */
.article-wrap { max-width: 1180px; }
.article-head { display: grid; grid-template-columns: minmax(0, 1fr) minmax(300px, 430px); gap: 44px; align-items: center; margin-bottom: 46px; }
.article-eyebrow { display: block; font-family: "Sora", sans-serif; font-size: 13px; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; color: var(--accent); margin-bottom: 16px; }
.article-head .article-submeta { margin: 20px 0 0; }
.article-head-media { margin: 0; }
.article-head-media img { width: 100%; aspect-ratio: 4 / 3; object-fit: cover; display: block; border-radius: var(--radius); box-shadow: var(--shadow-card); }
.article-layout { display: grid; grid-template-columns: minmax(0, 1fr) 330px; gap: 52px; align-items: start; }
.article-layout .article-body { min-width: 0; }
.article-body h2 { scroll-margin-top: 24px; }
.article-sidebar { position: sticky; top: 24px; display: flex; flex-direction: column; gap: 26px; min-width: 0; }
.mini-offer-card { padding: 28px 24px; gap: 15px; border: 1px solid var(--border); border-top: 5px solid var(--navy); box-shadow: var(--shadow-card); }
.mini-offer-card .offer-card-head h2 { font-size: 22px; }
.mini-offer-card .offer-card-head span { font-size: 15px; }
.article-toc { background: var(--panel); border: 1px solid var(--border); border-radius: var(--radius); padding: 22px 24px; }
.article-toc-title { font-family: "Sora", sans-serif; font-size: 15px; font-weight: 700; letter-spacing: 1.2px; text-transform: uppercase; color: var(--ink); margin: 0 0 12px; }
.article-toc ol { margin: 0; padding-left: 20px; display: flex; flex-direction: column; gap: 8px; }
.article-toc li { font-size: 15px; line-height: 1.45; color: var(--muted); }
.article-toc a { font-weight: 600; color: var(--navy); }
.article-toc a:hover { color: var(--accent); }
@media (max-width: 900px) {
  .article-head { grid-template-columns: 1fr; gap: 24px; margin-bottom: 34px; }
  .article-head-media img { aspect-ratio: 16 / 10; }
  .article-layout { grid-template-columns: 1fr; gap: 34px; }
  .article-sidebar { position: static; order: -1; }
}

/* ---------- Legal pages ---------- */
.legal-header { min-height: 72px; padding: 10px 64px; border-bottom: 1px solid var(--border); display: flex; align-items: center; justify-content: space-between; }
.legal-header .back-link { font-size: 15px; font-weight: 600; }
.legal-main { max-width: 760px; margin: 0 auto; padding: 48px 24px 80px; }
.legal-main h1 { font-size: 36px; letter-spacing: -.8px; margin-bottom: 8px; }
.legal-updated { font-size: 14px; color: var(--muted); margin-bottom: 40px; display: block; }
.legal-main h2 { font-size: 22px; margin-top: 40px; margin-bottom: 12px; }
.legal-main p, .legal-main li { font-size: 16px; line-height: 1.65; color: var(--body); }
.legal-main ul { padding-left: 22px; display: flex; flex-direction: column; gap: 8px; }
.legal-main a { text-decoration: underline; }

/* ==========================================================
   RESPONSIVE
   ========================================================== */
@media (max-width: 1100px) {
  .hero { gap: 36px; }
  .hero h1 { font-size: 46px; }
  .step2 { gap: 32px; padding: 34px; }
}

@media (max-width: 860px) {
  /* Gutters */
  .utility-bar, .site-header, .hero, .trust-strip, .fastest-way, .offer-formula, .compare,
  .how-it-works, .who-we-help, .who-detail, .founder, .disclosure, .final-cta, .site-footer,
  .legal-header, .steps2, .benefits, .reviews {
    padding-left: 20px;
    padding-right: 20px;
  }
  main > .situations-check { padding-left: 20px; padding-right: 20px; }

  /* Header / nav */
  .utility-bar { display: none; }
  .main-nav { display: none; }
  .site-header { flex-wrap: wrap; min-height: 0; padding: 8px; gap: 6px; }
  .logo { gap: 6px; flex-shrink: 1; min-width: 0; }
  .brand-mark { width: 32px; height: 32px; flex-shrink: 0; }
  .logo-text { font-size: 13px; white-space: nowrap; letter-spacing: -.3px; }
  .logo-the { display: none; }
  .mobile-call { display: inline-flex; align-items: center; margin-left: auto; padding: 8px 10px; min-height: 44px; font-size: 12px; gap: 5px; white-space: nowrap; flex-shrink: 0; height: auto; }
  .mobile-call svg { width: 13px; height: 13px; }
  .nav-toggle {
    display: inline-flex; flex-direction: column; justify-content: center; align-items: center; gap: 5px;
    width: 44px; height: 44px; margin-left: 0; flex-shrink: 0;
    background: none; border: 1px solid var(--border); border-radius: 10px; cursor: pointer;
  }
  .nav-toggle span { display: block; width: 20px; height: 2.5px; background: var(--navy); border-radius: 2px; transition: transform .18s ease, opacity .18s ease; }
  .nav-toggle.active span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
  .nav-toggle.active span:nth-child(2) { opacity: 0; }
  .nav-toggle.active span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }
  .mobile-nav { display: none; flex-basis: 100%; }
  .mobile-nav.open { display: flex; flex-direction: column; margin-top: 12px; padding: 4px 0 16px; border-top: 1px solid var(--border); background: #fff; }
  .mobile-nav > a { padding: 13px 4px; font-size: 17px; font-weight: 600; color: var(--ink); border-bottom: 1px solid #f0f2f5; }
  .mobile-dropdown-trigger { width: 100%; display: flex; justify-content: space-between; align-items: center; padding: 13px 4px; font-size: 17px; font-weight: 600; color: var(--ink); font-family: inherit; background: none; border: 0; border-bottom: 1px solid #f0f2f5; cursor: pointer; }
  .mobile-dropdown.open .nav-chevron { transform: rotate(180deg); }
  .mobile-dropdown-menu { padding: 2px 0 6px 16px; }
  .mobile-dropdown-menu a { display: block; padding: 10px 4px; font-size: 16px; font-weight: 600; color: var(--navy); }
  .mobile-nav .btn-block { margin-top: 14px; }

  /* Hero */
  .hero { grid-template-columns: 1fr; gap: 30px; padding-top: 36px; padding-bottom: 44px; }
  .hero-copy { padding-top: 0; max-width: none; gap: 16px; }
  .hero h1 { font-size: 33px; letter-spacing: -1px; }
  .hero-sub { font-size: 17px; max-width: none; }
  .hero-copy .lede { font-size: 17.5px; }
  .hero-photo img { height: 190px; }
  .hero-side .offer-card { margin: -38px 0 0; }
  .offer-card { padding: 26px 22px; }
  .field-row { flex-direction: column; }

  /* Flagship sections */
  .trust-strip { grid-template-columns: 1fr; gap: 12px; padding-top: 20px; padding-bottom: 20px; }
  .trust-item { align-items: flex-start; }
  .trust-item svg { margin-top: 3px; }
  .trust-item span { font-size: 14.5px; }
  .steps2 { padding-top: 48px; padding-bottom: 48px; gap: 30px; }
  .step2 { grid-template-columns: 1fr; gap: 18px; padding: 26px 22px; }
  .step2--flip .step2-media, .step2--flip .step2-copy { order: 0; }
  .step2-num { font-size: 84px; top: -8px; right: 16px; }
  .step2-media { min-height: 0; }
  .step2-media img { min-height: 0; height: 185px; }
  .step2-copy h3 { font-size: 23px; }
          .benefits { padding-top: 48px; padding-bottom: 48px; }
  .who-we-help, main > .situations-check { padding-top: 48px; padding-bottom: 48px; }
  .situations-list { grid-template-columns: 1fr; }
  .section-head h2 { font-size: 27px; letter-spacing: -.7px; }
  .section-head p { font-size: 16px; }
  .section-head.split { flex-direction: column; align-items: flex-start; gap: 10px; }

  /* Comparison */
  .compare { padding-top: 48px; padding-bottom: 48px; }
  .compare-stat p { font-size: 1.05rem; line-height: 1.55; }
  .compare-grid { grid-template-columns: 1fr; gap: 18px; }
  .compare-col { padding: 24px 20px; }
  .compare-agent h3, .compare-us h3 { font-size: 21px; }
  .compare-row { min-height: 0; margin: 0 -20px; padding: 12px 20px; }
  .compare-agent .compare-row strong, .compare-us .compare-row strong { font-size: 17px; }
  .compare-col-head-row, .compare-pair { grid-template-columns: 1fr; gap: 10px; }
  .compare-pair { margin-bottom: 16px; }

  /* Formula / fastest way */
  .offer-formula { padding-top: 44px; padding-bottom: 44px; }
  .formula-row { flex-direction: column; align-items: stretch; gap: 6px; width: 100%; }
  .formula-box { width: 100%; padding: 13px 14px; font-size: 14px; }
  .formula-op { text-align: center; }
  .fastest-way { grid-template-columns: 1fr; gap: 24px; padding-top: 44px; padding-bottom: 44px; }
  .fastest-way-copy h2 { font-size: 25px; }
  .stat-card, .skip-card { padding: 20px; }
  .stat-value { font-size: 33px; }

  /* Reviews / founder / disclosure / final */
  .reviews { padding-top: 48px; padding-bottom: 48px; }
  .reviews-grid { grid-template-columns: 1fr; gap: 12px; }
  .how-it-works { padding-top: 36px; padding-bottom: 36px; }
  .steps-grid { grid-template-columns: 1fr; gap: 12px; }
  .who-grid, .who-detail-grid { grid-template-columns: 1fr; }
  .who-detail { padding-top: 40px; padding-bottom: 40px; }
  .founder { flex-direction: column; padding-top: 44px; padding-bottom: 44px; gap: 26px; }
  .founder-photo { width: 100%; height: 260px; }
  .founder-copy h2 { font-size: 26px; }
  .founder-copy p { font-size: 16px; max-width: none; }
  .disclosure { padding-top: 32px; padding-bottom: 32px; }
  .disclosure h2 { font-size: 20px; }
  .disclosure p { font-size: 15px; }
  .final-cta { padding-top: 44px; padding-bottom: 44px; }
  .final-cta h2 { font-size: 27px; }
  .final-cta p { font-size: 16px; }
  .final-cta-actions { flex-direction: column; width: 100%; }
  .final-cta-actions .btn { width: 100%; }
  .footer-top { flex-direction: column; gap: 20px; }

  /* Local sections */
  .breadcrumb { padding: 12px 20px 0; }
  .local-areas, .situations, .local-intel, .faq { padding: 44px 20px; }
  .areas-grid, .intel-grid { grid-template-columns: 1fr; }
  .page-body .faq, main > .faq { padding: 34px 22px; border-radius: 18px; }

  /* Inner pages */
  .page-layout { display: block; padding: 0 20px; }
  .page-header { margin: 0 -20px; padding: 38px 20px 30px; }
  .page-header h1 { font-size: 33px; letter-spacing: -.7px; }
  .page-header .lede { font-size: 17.5px; }
  .page-sidebar { position: static; padding: 26px 0 10px; }
  .page-body { padding: 8px 0 0; }
  .page-body > * + * { margin-top: 30px; }
  .page-body .section-head h2 { font-size: 27px; }
  .page-body .after-contact, .page-body .principles, .page-body .decide-helper { padding-top: 40px; padding-bottom: 40px; }
  .page-body .navy-panel { padding: 38px 24px; border-radius: 18px; }
  .page-body .steps-grid, .page-body .who-grid { grid-template-columns: 1fr; }
  .page-body .step-card { padding: 24px 22px; }
  .page-body .step-card::after { font-size: 84px; bottom: -12px; }
  .page-body .formula-pill { padding: 16px 18px; font-size: 14px; }
  .page-body .formula-op { font-size: 20px; }
  .page-body .trust-strip { grid-template-columns: 1fr 1fr; gap: 12px 16px; }
  .page-layout:not(.page-variant--local) .page-body .local-intel { padding: 34px 22px; border-radius: 18px; }
  .page-variant--local .local-intel { padding: 30px 22px; }
  .page-body > section:not(.navy-panel) .section-head::before { width: 170px; height: 170px; left: -30px; top: -40px; }
  .stat-band { grid-template-columns: 1fr; gap: 14px; padding: 22px; }
  .stat strong { font-size: 27px; }
  .pull-quote p { font-size: 18.5px; }
  .reassure { padding: 18px; }
  .decide-grid, .walk-steps { grid-template-columns: 1fr; gap: 18px; }
  .timeline .area-card { padding-left: 54px; }
  .inset--band { padding-top: 36px; }
  .inset--quote { padding-top: 30px; }

  /* Blog */
  .blog-wrap { padding: 40px 18px 56px; }
  .article-wrap { padding: 36px 18px 52px; }
  .article-cta { padding: 28px 20px; }
}

/* ==========================================================
   V3 POLISH (flagship pages) — open steps timeline, scroll
   reveals, floating fixtures, newsletter band, inset footer
   ========================================================== */

.btn-pill { border-radius: 999px; }

/* ---------- Steps: open timeline (replaces boxed panels) ---------- */
.steps-timeline { position: relative; display: flex; flex-direction: column; gap: 76px; max-width: 1120px; margin: 0 auto; width: 100%; }
.steps-timeline::before {
  content: ""; position: absolute; top: 30px; bottom: 30px; left: 50%;
  width: 3px; transform: translateX(-50%);
  background: #b9cbdd; border-radius: 2px;
}
.step-tl { position: relative; display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); align-items: center; }
.step-tl-media { grid-column: 1; grid-row: 1; padding-right: 52px; min-width: 0; }
.step-tl-copy { grid-column: 2; grid-row: 1; padding-left: 52px; display: flex; flex-direction: column; gap: 10px; min-width: 0; }
.step-tl--flip .step-tl-media { grid-column: 2; padding-right: 0; padding-left: 52px; }
.step-tl--flip .step-tl-copy { grid-column: 1; padding-left: 0; padding-right: 52px; }
.step-tl-media img { width: 100%; height: 100%; min-height: 260px; object-fit: cover; display: block; border-radius: var(--radius); }
.step-tl-media img.pos-left { object-position: 18% center; }
.step-tl-media img.pos-right { object-position: 80% center; }
.step-tl-media--tint {
  background: var(--tint); border-radius: var(--radius); min-height: 260px;
  display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 12px;
  padding: 28px; text-align: center;
}
.step-tl-media--tint span { font-family: "Sora", sans-serif; font-size: 15px; font-weight: 600; color: var(--navy); }
.step-tl-node {
  position: absolute; left: 50%; top: 50%; transform: translate(-50%, -50%); z-index: 1;
  width: 50px; height: 50px; border-radius: 50%;
  background: #14487a; color: #fff; border: 3px solid #fff;
  box-shadow: 0 8px 20px rgba(20, 72, 122, .30);
  font-family: "Sora", sans-serif; font-size: 19px; font-weight: 700;
  display: flex; align-items: center; justify-content: center;
}
.step-tl-copy .step2-label { font-family: "Sora", sans-serif; font-size: 13.5px; font-weight: 700; letter-spacing: 2px; color: var(--accent); text-transform: uppercase; }
.step-tl-copy h3 { font-size: 28px; font-weight: 700; letter-spacing: -.5px; }
.step-tl-copy p { margin: 0; font-size: 18px; line-height: 1.65; color: var(--body); }
.step-tl-copy .step-note { font-size: 14.5px; color: var(--muted); border-top: 1px solid var(--border); padding-top: 12px; }
.steps-cta { display: flex; flex-direction: column; align-items: center; gap: 18px; margin-top: 64px; text-align: center; }
.steps-cta .btn-pill { padding: 0 44px; box-shadow: 0 14px 30px rgba(200, 16, 46, .28); }
.steps-cta-trust { display: flex; align-items: center; justify-content: center; gap: 14px 30px; flex-wrap: wrap; }
.steps-cta-trust span { display: inline-flex; align-items: center; gap: 8px; font-size: 15.5px; font-weight: 600; color: var(--body); }
.steps-cta-trust svg { flex-shrink: 0; }

/* ---------- V3 scroll reveal (hidden state only under html.js-reveal) ---------- */
html.js-reveal [data-reveal] { opacity: 0; transform: translateY(14px); }
html.js-reveal [data-reveal].in-view {
  opacity: 1; transform: translateY(0);
  transition: opacity .7s ease-out, transform .7s ease-out;
}
@media (prefers-reduced-motion: reduce) {
  html.js-reveal [data-reveal] { opacity: 1 !important; transform: none !important; transition: none !important; }
}

/* ---------- Floating fixtures ---------- */
.float-pill {
  position: fixed; left: 50%; bottom: 22px; z-index: 90;
  border-radius: 999px; box-shadow: var(--shadow-lift);
  opacity: 0; visibility: hidden; transform: translate(-50%, 16px);
  transition: opacity .3s ease, transform .3s ease, visibility .3s ease, background .15s ease;
}
.float-pill.is-visible { opacity: 1; visibility: visible; transform: translate(-50%, 0); }
.back-to-top {
  position: fixed; right: 22px; bottom: 22px; z-index: 90;
  width: 48px; height: 48px; border-radius: 12px;
  background: #fff; border: 1px solid var(--border); box-shadow: var(--shadow-lift);
  display: flex; align-items: center; justify-content: center; cursor: pointer; padding: 0;
  opacity: 0; visibility: hidden; transform: translateY(16px);
  transition: opacity .3s ease, transform .3s ease, visibility .3s ease;
}
.back-to-top.is-visible { opacity: 1; visibility: visible; transform: translateY(0); }
.back-to-top:hover { border-color: var(--navy); }
@media (prefers-reduced-motion: reduce) {
  .float-pill, .back-to-top { transition: none; }
}

/* ---------- Newsletter band (dark zone, above footer) ---------- */
.newsletter-band { background: #0b1520; padding: 76px 64px 12px; }
.newsletter-inner { max-width: 1120px; margin: 0 auto; display: flex; align-items: center; justify-content: space-between; gap: 32px 48px; flex-wrap: wrap; }
.newsletter-copy { max-width: 480px; }
.newsletter-copy h2 { color: #fff; font-size: 30px; font-weight: 700; letter-spacing: -.7px; line-height: 1.2; }
.newsletter-copy p { margin: 10px 0 0; font-size: 17px; line-height: 1.55; color: #a9bfd4; }
.newsletter-form { display: flex; gap: 10px; flex: 1 1 360px; max-width: 520px; }
.newsletter-form input[type="email"] {
  flex: 1 1 auto; min-width: 0; height: 52px; padding: 0 22px;
  border-radius: 999px; border: 1px solid #2c4358; background: #122334;
  color: #fff; font-family: inherit; font-size: 16px;
}
.newsletter-form input[type="email"]::placeholder { color: #7e93a8; }
.newsletter-form input[type="email"]:focus { outline: 2px solid var(--navy-line); outline-offset: 1px; border-color: var(--navy-line); }
.newsletter-form .btn { height: 52px; flex-shrink: 0; }
.newsletter-privacy { max-width: 1120px; margin: 18px auto 0; font-size: 13.5px; color: #72879a; }

/* ---------- Footer as inset panel (flagship pages) ---------- */
.site-footer--panel { background: #0b1520; border-top: none; padding: 20px 20px 28px; display: block; }
.footer-panel { background: #122334; border-radius: 24px; padding: 54px 50px; max-width: 1280px; margin: 0 auto; box-shadow: 0 24px 60px rgba(0, 0, 0, .35); }
.footer-cols { display: grid; grid-template-columns: 1.3fr .85fr 1fr 1.3fr; gap: 44px; }
.footer-col { display: flex; flex-direction: column; align-items: flex-start; gap: 9px; min-width: 0; }
.footer-col-title { font-family: "Sora", sans-serif; font-size: 13px; font-weight: 700; letter-spacing: 1.6px; text-transform: uppercase; color: #8fb0d1; margin-bottom: 7px; }
.footer-col > a { font-size: 15.5px; color: #c9d1da; padding: 3px 0; }
.footer-col > a:hover { color: #fff; }
.footer-col-brand { gap: 7px; }
.footer-col-brand .footer-logo { font-size: 21px; }
.footer-blurb { margin: 2px 0 8px; font-size: 15px; line-height: 1.55; color: #98a1ad; }
.footer-col-brand .footer-email, .footer-col-brand .footer-social { padding: 3px 0; }
.footer-phone { font-family: "Sora", sans-serif; font-size: 16px; font-weight: 600; color: #fff !important; padding: 3px 0; }
.footer-phone:hover { opacity: .85; }
.footer-col .footer-cities-list { gap: 7px 16px; }
.footer-col .footer-disclaimer { margin: 8px 0 0; max-width: none; }
.footer-copy { margin: 24px 0 0; text-align: center; font-size: 13.5px; color: #5f7185; }

/* ---------- V3 responsive ---------- */
@media (max-width: 1020px) {
  .footer-cols { grid-template-columns: 1fr 1fr; gap: 38px; }
}
@media (max-width: 860px) {
  .site-header { margin: 10px 10px 0; top: 10px; border-radius: 14px; }
  .steps2, .benefits, .compare, .reviews { padding-top: 56px; padding-bottom: 56px; }
  .who-we-help, main > .situations-check { padding-top: 56px; padding-bottom: 56px; }
  .founder { padding-top: 56px; padding-bottom: 56px; }

  /* Timeline becomes a left rail */
  .steps-timeline { gap: 52px; }
  .steps-timeline::before { left: 20px; top: 16px; bottom: 16px; transform: none; }
  .step-tl { display: block; padding-left: 54px; }
  .step-tl-media, .step-tl--flip .step-tl-media { padding: 0; margin-bottom: 16px; }
  .step-tl-copy, .step-tl--flip .step-tl-copy { padding: 0; }
  .step-tl-media img { min-height: 0; height: 200px; }
  .step-tl-media--tint { min-height: 180px; }
  .step-tl-node { left: 20px; top: 0; transform: translateX(-50%); width: 42px; height: 42px; font-size: 16px; }
  .step-tl-copy h3 { font-size: 23px; }
  .step-tl-copy p { font-size: 16.5px; }
  .steps-cta { margin-top: 48px; }
  .steps-cta-trust { flex-direction: column; gap: 10px; }

  /* Fixtures on small screens */
  .float-pill { left: 12px; right: 12px; bottom: 12px; transform: translateY(16px); width: auto; }
  .float-pill.is-visible { transform: translateY(0); }
  .back-to-top { right: 12px; bottom: 80px; }

  /* Newsletter + footer panel */
  .newsletter-band { padding: 56px 20px 6px; }
  .newsletter-inner { flex-direction: column; align-items: stretch; gap: 24px; }
  .newsletter-copy { max-width: none; }
  .newsletter-copy h2 { font-size: 25px; }
  .newsletter-form { flex-direction: column; max-width: none; flex-basis: auto; }
  .newsletter-form .btn { width: 100%; }
  .site-footer--panel { padding: 12px 12px 22px; }
  .footer-panel { padding: 38px 24px; border-radius: 20px; }
  .footer-cols { grid-template-columns: 1fr; gap: 32px; }
}

/* ---------- Contact page ---------- */
.page-layout.contact-layout { grid-template-columns: 1fr; }
.contact-main { grid-column: 1 / -1; width: 100%; max-width: 760px; margin: 0 auto; padding: 44px 0 72px; display: flex; flex-direction: column; gap: 30px; min-width: 0; }
.contact-form-card { border: 1px solid var(--border); border-top: 5px solid var(--navy); box-shadow: var(--shadow-card); }
.contact-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.contact-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); box-shadow: var(--shadow-card); padding: 24px 22px; display: flex; flex-direction: column; align-items: flex-start; gap: 7px; min-width: 0; }
.contact-card .cc-icon { width: 44px; height: 44px; border-radius: 12px; background: var(--tint); display: flex; align-items: center; justify-content: center; margin-bottom: 4px; }
.contact-card h3 { font-size: 13px; font-weight: 700; letter-spacing: 1.6px; text-transform: uppercase; color: var(--muted); }
.contact-card .cc-value { font-family: "Sora", sans-serif; font-size: 16.5px; font-weight: 700; color: var(--navy); line-height: 1.35; overflow-wrap: break-word; }
.contact-card a.cc-value:hover { color: var(--accent); }
.contact-card p { margin: 0; font-size: 14.5px; line-height: 1.5; color: var(--muted); }
@media (max-width: 860px) {
  .contact-main { padding: 32px 0 54px; gap: 24px; }
  .contact-cards { grid-template-columns: 1fr; }
  .contact-form-card { padding: 26px 22px; }
}