/* ===================================================================
   LendingFLA.com — premium hard money lending site
   Design system: deep navy ink + emerald growth accent + gold premium
   =================================================================== */

:root {
  /* Palette */
  --ink-900: #060d1f;
  --ink-800: #0a142e;
  --ink-700: #0e1b3d;
  --ink-600: #16264f;
  --navy: #0a1f44;
  --emerald: #10b981;
  --emerald-600: #059669;
  --emerald-300: #6ee7b7;
  --gold: #f5c451;
  --gold-600: #e0a93a;
  --paper: #f7f9fc;
  --paper-2: #eef2f8;
  --white: #ffffff;
  --text: #0f1b30;
  --text-soft: #4a586e;
  --text-faint: #7a879c;
  --line: #e3e9f2;
  --line-dark: rgba(255, 255, 255, 0.12);

  /* Type */
  --display: 'Sora', system-ui, -apple-system, 'Segoe UI', sans-serif;
  --body: 'Inter', system-ui, -apple-system, 'Segoe UI', sans-serif;

  /* Shape */
  --r-sm: 10px;
  --r-md: 16px;
  --r-lg: 24px;
  --r-xl: 32px;
  --shadow-sm: 0 1px 2px rgba(10, 31, 68, 0.06), 0 4px 12px rgba(10, 31, 68, 0.05);
  --shadow-md: 0 8px 30px rgba(10, 31, 68, 0.10);
  --shadow-lg: 0 24px 60px rgba(6, 13, 31, 0.28);
  --shadow-glow: 0 0 0 1px rgba(16, 185, 129, 0.25), 0 18px 50px rgba(16, 185, 129, 0.18);

  --container: 1180px;
  --ease: cubic-bezier(0.22, 1, 0.36, 1);
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--body);
  color: var(--text);
  background: var(--paper);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
ul { list-style: none; padding: 0; }
h1, h2, h3, h4 { font-family: var(--display); font-weight: 700; line-height: 1.1; letter-spacing: -0.02em; }

/* ---------- Layout helpers ---------- */
.container { width: 100%; max-width: var(--container); margin-inline: auto; padding-inline: 22px; }
.section { padding: 96px 0; position: relative; }
.section--tight { padding: 72px 0; }
.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-family: var(--display); font-weight: 600; font-size: 0.78rem;
  letter-spacing: 0.14em; text-transform: uppercase; color: var(--emerald-600);
}
.eyebrow::before { content: ""; width: 22px; height: 2px; background: var(--emerald); border-radius: 2px; }
.section-head { max-width: 680px; margin-bottom: 48px; }
.section-head h2 { font-size: clamp(1.9rem, 4vw, 2.9rem); margin: 14px 0 14px; }
.section-head p { color: var(--text-soft); font-size: 1.08rem; }
.text-center { text-align: center; }
.text-center .section-head { margin-inline: auto; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 9px;
  font-family: var(--display); font-weight: 600; font-size: 0.98rem;
  padding: 15px 26px; border-radius: 999px; transition: transform .25s var(--ease), box-shadow .25s var(--ease), background .25s, color .25s;
  white-space: nowrap;
}
.btn svg { width: 18px; height: 18px; }
.btn--primary { background: var(--emerald); color: #042a1d; box-shadow: var(--shadow-glow); }
.btn--primary:hover { background: var(--emerald-300); transform: translateY(-2px); }
.btn--gold { background: var(--gold); color: #3a2a06; box-shadow: 0 14px 36px rgba(245, 196, 81, 0.32); }
.btn--gold:hover { background: var(--gold-600); transform: translateY(-2px); }
.btn--ghost { background: rgba(255,255,255,0.06); color: var(--white); border: 1px solid rgba(255,255,255,0.22); }
.btn--ghost:hover { background: rgba(255,255,255,0.14); transform: translateY(-2px); }
.btn--dark { background: var(--navy); color: var(--white); }
.btn--dark:hover { background: var(--ink-700); transform: translateY(-2px); }
.btn--lg { padding: 17px 32px; font-size: 1.05rem; }
.btn--block { width: 100%; }

/* ===================================================================
   HEADER
   =================================================================== */
.header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(247, 249, 252, 0.82);
  backdrop-filter: saturate(160%) blur(14px);
  border-bottom: 1px solid transparent;
  transition: border-color .3s, box-shadow .3s, background .3s;
}
.header.scrolled { border-bottom-color: var(--line); box-shadow: var(--shadow-sm); }
.nav { display: flex; align-items: center; gap: 28px; height: 74px; }
.brand { display: flex; align-items: center; gap: 11px; font-family: var(--display); font-weight: 800; font-size: 1.22rem; letter-spacing: -0.03em; color: var(--navy); }
.brand .logo { width: 38px; height: 38px; flex: none; }
.brand b { color: var(--emerald-600); }
.nav-links { display: flex; align-items: center; gap: 26px; margin-left: auto; }
.nav-links a { font-weight: 500; font-size: 0.96rem; color: var(--text-soft); transition: color .2s; }
.nav-links a:hover { color: var(--navy); }
.nav-actions { display: flex; align-items: center; gap: 14px; }
.nav-phone { display: inline-flex; align-items: center; gap: 7px; font-family: var(--display); font-weight: 600; color: var(--navy); font-size: 0.95rem; }
.nav-phone svg { width: 17px; height: 17px; color: var(--emerald-600); }

/* Language toggle */
.lang-toggle { display: inline-flex; border: 1px solid var(--line); border-radius: 999px; overflow: hidden; background: var(--white); }
.lang-toggle a { padding: 7px 13px; font-family: var(--display); font-weight: 600; font-size: 0.82rem; color: var(--text-faint); transition: background .2s, color .2s; }
.lang-toggle a.active { background: var(--navy); color: var(--white); }

.nav-toggle { display: none; width: 44px; height: 44px; border-radius: 12px; align-items: center; justify-content: center; color: var(--navy); }
.nav-toggle svg { width: 26px; height: 26px; }

/* ===================================================================
   HERO
   =================================================================== */
.hero {
  position: relative; overflow: hidden;
  background: radial-gradient(1200px 700px at 80% -10%, #14315f 0%, transparent 55%),
              radial-gradient(900px 600px at 0% 110%, #0c2a4a 0%, transparent 50%),
              linear-gradient(160deg, var(--ink-900) 0%, var(--ink-700) 60%, var(--navy) 100%);
  color: var(--white);
  padding: 64px 0 96px;
}
.hero::before { /* animated aurora */
  content: ""; position: absolute; inset: -30% -10% auto -10%; height: 90%;
  background: radial-gradient(420px 320px at 20% 30%, rgba(16,185,129,0.30), transparent 60%),
              radial-gradient(440px 360px at 78% 20%, rgba(99,140,255,0.26), transparent 60%),
              radial-gradient(360px 300px at 60% 80%, rgba(245,196,81,0.16), transparent 60%);
  filter: blur(20px); opacity: 0.9; z-index: 0;
  animation: aurora 18s ease-in-out infinite alternate;
}
@keyframes aurora {
  0% { transform: translate3d(0,0,0) scale(1); }
  50% { transform: translate3d(3%, 2%, 0) scale(1.08); }
  100% { transform: translate3d(-2%, -1%, 0) scale(1.04); }
}
.hero-grid { position: relative; z-index: 1; display: grid; grid-template-columns: 1.15fr 0.85fr; gap: 56px; align-items: center; }
.hero-badge {
  display: inline-flex; align-items: center; gap: 9px; padding: 7px 15px; border-radius: 999px;
  background: rgba(16,185,129,0.12); border: 1px solid rgba(16,185,129,0.3); color: var(--emerald-300);
  font-family: var(--display); font-weight: 600; font-size: 0.8rem; letter-spacing: 0.02em;
}
.hero-badge .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--emerald); box-shadow: 0 0 0 4px rgba(16,185,129,0.25); }
.hero h1 { font-size: clamp(2.4rem, 5.4vw, 4.05rem); margin: 22px 0 20px; letter-spacing: -0.035em; }
.hero h1 .grad { background: linear-gradient(100deg, var(--emerald-300), var(--gold)); -webkit-background-clip: text; background-clip: text; color: transparent; }
.hero-sub { font-size: 1.18rem; color: #c4d0e4; max-width: 560px; margin-bottom: 32px; }
.hero-cta { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 30px; }
.hero-trust { display: flex; flex-wrap: wrap; gap: 22px 30px; }
.hero-trust li { display: flex; align-items: center; gap: 9px; font-size: 0.92rem; color: #b7c4da; }
.hero-trust svg { width: 18px; height: 18px; color: var(--emerald); flex: none; }

/* Quote card */
.quote-card {
  position: relative; background: rgba(255,255,255,0.07); border: 1px solid rgba(255,255,255,0.16);
  backdrop-filter: blur(16px); border-radius: var(--r-xl); padding: 28px; box-shadow: var(--shadow-lg);
}
.quote-card h3 { font-size: 1.32rem; color: var(--white); margin-bottom: 4px; }
.quote-card .qsub { font-size: 0.92rem; color: #aebbd2; margin-bottom: 20px; }
.field { margin-bottom: 14px; }
.field label { display: block; font-size: 0.82rem; font-weight: 600; color: #c9d4e7; margin-bottom: 6px; font-family: var(--display); }
.field input, .field select {
  width: 100%; padding: 13px 14px; border-radius: var(--r-sm); font-family: var(--body); font-size: 0.95rem;
  background: rgba(255,255,255,0.94); border: 1px solid rgba(255,255,255,0.2); color: var(--text); transition: box-shadow .2s, border-color .2s;
}
.field input::placeholder { color: #9aa6ba; }
.field input:focus, .field select:focus { outline: none; border-color: var(--emerald); box-shadow: 0 0 0 3px rgba(16,185,129,0.3); }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.quote-card .microcopy { display: flex; align-items: center; gap: 7px; font-size: 0.78rem; color: #9fb0cb; margin-top: 12px; }
.quote-card .microcopy svg { width: 15px; height: 15px; color: var(--emerald-300); flex: none; }

/* ===================================================================
   STAT BAR
   =================================================================== */
.stats { background: var(--navy); color: var(--white); padding: 0; }
.stats-inner { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; }
.stat { padding: 40px 26px; text-align: center; border-left: 1px solid rgba(255,255,255,0.09); }
.stat:first-child { border-left: none; }
.stat .num { font-family: var(--display); font-weight: 800; font-size: clamp(1.9rem, 3.4vw, 2.7rem); letter-spacing: -0.03em; background: linear-gradient(100deg, var(--white), var(--emerald-300)); -webkit-background-clip: text; background-clip: text; color: transparent; }
.stat .label { font-size: 0.9rem; color: #aebbd2; margin-top: 6px; }

/* ===================================================================
   TRUST LOGOS
   =================================================================== */
.badges { padding: 36px 0; border-bottom: 1px solid var(--line); background: var(--white); }
.badges-inner { display: flex; flex-wrap: wrap; align-items: center; justify-content: center; gap: 18px 38px; }
.badges .badge { display: inline-flex; align-items: center; gap: 9px; font-family: var(--display); font-weight: 600; color: var(--text-faint); font-size: 0.92rem; }
.badges .badge svg { width: 22px; height: 22px; color: var(--emerald-600); }

/* ===================================================================
   LOAN PROGRAMS
   =================================================================== */
.programs { background: var(--paper); }
.prog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.prog-card {
  position: relative; background: var(--white); border: 1px solid var(--line); border-radius: var(--r-lg);
  padding: 30px 26px; transition: transform .3s var(--ease), box-shadow .3s var(--ease), border-color .3s; overflow: hidden;
}
.prog-card::after { content: ""; position: absolute; inset: 0 0 auto 0; height: 4px; background: linear-gradient(90deg, var(--emerald), var(--gold)); transform: scaleX(0); transform-origin: left; transition: transform .35s var(--ease); }
.prog-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); border-color: transparent; }
.prog-card:hover::after { transform: scaleX(1); }
.prog-icon { width: 52px; height: 52px; border-radius: 14px; display: grid; place-items: center; background: linear-gradient(150deg, rgba(16,185,129,0.16), rgba(245,196,81,0.14)); color: var(--emerald-600); margin-bottom: 18px; }
.prog-icon svg { width: 26px; height: 26px; }
.prog-card h3 { font-size: 1.28rem; margin-bottom: 9px; }
.prog-card p { color: var(--text-soft); font-size: 0.96rem; margin-bottom: 18px; }
.prog-terms { display: flex; flex-wrap: wrap; gap: 8px; }
.prog-terms span { font-size: 0.8rem; font-weight: 600; font-family: var(--display); color: var(--navy); background: var(--paper-2); padding: 5px 11px; border-radius: 999px; }
.prog-terms span b { color: var(--emerald-600); }

/* ===================================================================
   WHY / FEATURES
   =================================================================== */
.why { background: var(--white); }
.why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.feature-list { display: grid; gap: 22px; }
.feature { display: flex; gap: 16px; }
.feature-ic { width: 46px; height: 46px; flex: none; border-radius: 12px; background: var(--navy); color: var(--emerald-300); display: grid; place-items: center; }
.feature-ic svg { width: 22px; height: 22px; }
.feature h4 { font-size: 1.12rem; margin-bottom: 5px; }
.feature p { color: var(--text-soft); font-size: 0.95rem; }
.why-visual { position: relative; border-radius: var(--r-xl); overflow: hidden; box-shadow: var(--shadow-lg); aspect-ratio: 4 / 5; background: linear-gradient(160deg, var(--ink-700), var(--navy)); }
.why-visual img { width: 100%; height: 100%; object-fit: cover; opacity: 0.9; }
.why-visual .vcard {
  position: absolute; left: 22px; bottom: 22px; right: 22px; background: rgba(6,13,31,0.74); backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,0.14); border-radius: var(--r-md); padding: 18px 20px; color: var(--white);
}
.why-visual .vcard .vnum { font-family: var(--display); font-weight: 800; font-size: 1.7rem; color: var(--emerald-300); }
.why-visual .vcard .vlabel { font-size: 0.86rem; color: #c2cee2; }

/* ===================================================================
   HOW IT WORKS
   =================================================================== */
.how { background: var(--ink-900); color: var(--white); }
.how .section-head h2 { color: var(--white); }
.how .section-head p { color: #aebbd2; }
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; counter-reset: step; }
.step { position: relative; padding: 30px 24px; border-radius: var(--r-lg); background: rgba(255,255,255,0.04); border: 1px solid rgba(255,255,255,0.09); }
.step .step-n { font-family: var(--display); font-weight: 800; font-size: 2.4rem; line-height: 1; background: linear-gradient(120deg, var(--emerald), var(--gold)); -webkit-background-clip: text; background-clip: text; color: transparent; margin-bottom: 14px; }
.step h4 { font-size: 1.16rem; margin-bottom: 8px; }
.step p { color: #aebbd2; font-size: 0.93rem; }
.step .step-time { display: inline-block; margin-top: 14px; font-family: var(--display); font-weight: 600; font-size: 0.78rem; color: var(--emerald-300); background: rgba(16,185,129,0.12); padding: 4px 11px; border-radius: 999px; }

/* ===================================================================
   COVERAGE
   =================================================================== */
.coverage { background: var(--paper); }
.cov-grid { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 50px; align-items: center; }
.cities { display: flex; flex-wrap: wrap; gap: 11px; margin-top: 26px; }
.city { display: inline-flex; align-items: center; gap: 7px; background: var(--white); border: 1px solid var(--line); border-radius: 999px; padding: 9px 16px; font-weight: 600; font-family: var(--display); font-size: 0.9rem; color: var(--navy); transition: transform .2s, box-shadow .2s, border-color .2s; }
.city:hover { transform: translateY(-2px); box-shadow: var(--shadow-sm); border-color: var(--emerald); }
.city svg { width: 15px; height: 15px; color: var(--emerald-600); }
.cov-nation { margin-top: 26px; padding: 20px 22px; border-radius: var(--r-md); background: linear-gradient(120deg, rgba(16,185,129,0.10), rgba(245,196,81,0.08)); border: 1px solid var(--line); display: flex; gap: 14px; align-items: center; }
.cov-nation svg { width: 30px; height: 30px; color: var(--emerald-600); flex: none; }
.cov-nation b { font-family: var(--display); }
.map-wrap { border-radius: var(--r-xl); overflow: hidden; box-shadow: var(--shadow-md); background: var(--navy); padding: 28px; }
.map-wrap svg { width: 100%; height: auto; }

/* ===================================================================
   TESTIMONIALS
   =================================================================== */
.testimonials { background: var(--white); }
.test-grid { columns: 3; column-gap: 22px; }
.test-card { break-inside: avoid; margin: 0 0 22px; background: var(--paper); border: 1px solid var(--line); border-radius: var(--r-lg); padding: 26px 24px; display: flex; flex-direction: column; gap: 14px; }
.stars { display: flex; gap: 3px; color: var(--gold); }
.stars svg { width: 18px; height: 18px; }
.test-card p { color: var(--text); font-size: 1rem; flex: 1; }
.test-who { display: flex; align-items: center; gap: 12px; }
.test-avatar { width: 44px; height: 44px; border-radius: 50%; background: linear-gradient(150deg, var(--emerald), var(--navy)); color: var(--white); display: grid; place-items: center; font-family: var(--display); font-weight: 700; }
.test-who .tn { font-family: var(--display); font-weight: 600; font-size: 0.96rem; }
.test-who .tr { font-size: 0.82rem; color: var(--text-faint); }

/* ===================================================================
   FAQ
   =================================================================== */
.faq { background: var(--paper); }
.faq-list { max-width: 820px; margin-inline: auto; display: grid; gap: 12px; }
.faq-item { background: var(--white); border: 1px solid var(--line); border-radius: var(--r-md); overflow: hidden; transition: box-shadow .25s, border-color .25s; }
.faq-item.open { box-shadow: var(--shadow-sm); border-color: var(--emerald); }
.faq-q { width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 20px 24px; text-align: left; font-family: var(--display); font-weight: 600; font-size: 1.05rem; color: var(--navy); }
.faq-q .ic { width: 26px; height: 26px; flex: none; border-radius: 50%; background: var(--paper-2); display: grid; place-items: center; transition: transform .3s var(--ease), background .3s; color: var(--navy); }
.faq-item.open .faq-q .ic { transform: rotate(45deg); background: var(--emerald); color: #042a1d; }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .35s var(--ease); }
.faq-a-inner { padding: 0 24px 22px; color: var(--text-soft); font-size: 0.98rem; }

/* ===================================================================
   CTA BAND (2nd required CTA)
   =================================================================== */
.cta-band { position: relative; overflow: hidden; background: linear-gradient(135deg, var(--ink-900), var(--navy) 55%, var(--emerald-600)); color: var(--white); padding: 80px 0; }
.cta-band::before { content: ""; position: absolute; inset: auto -10% -60% auto; width: 520px; height: 520px; border-radius: 50%; background: radial-gradient(circle, rgba(245,196,81,0.30), transparent 65%); }
.cta-band-inner { position: relative; z-index: 1; display: grid; grid-template-columns: 1.3fr 0.7fr; gap: 36px; align-items: center; }
.cta-band h2 { font-size: clamp(1.9rem, 4vw, 2.9rem); margin-bottom: 12px; }
.cta-band p { color: #d6e0f0; font-size: 1.1rem; max-width: 540px; }
.cta-band-actions { display: flex; flex-direction: column; gap: 13px; }
.cta-band-actions .callnow { display: inline-flex; align-items: center; justify-content: center; gap: 9px; font-family: var(--display); font-weight: 600; color: var(--white); font-size: 1.05rem; }
.cta-band-actions .callnow svg { width: 19px; height: 19px; color: var(--gold); }

/* ===================================================================
   FOOTER
   =================================================================== */
.footer { background: var(--ink-900); color: #aebbd2; padding: 70px 0 32px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 40px; padding-bottom: 44px; border-bottom: 1px solid rgba(255,255,255,0.09); }
.footer .brand { color: var(--white); margin-bottom: 16px; }
.footer-about p { font-size: 0.93rem; line-height: 1.7; max-width: 320px; }
.footer-col h5 { font-family: var(--display); color: var(--white); font-size: 0.95rem; margin-bottom: 16px; letter-spacing: 0.02em; }
.footer-col a { display: block; font-size: 0.92rem; padding: 6px 0; color: #aebbd2; transition: color .2s; }
.footer-col a:hover { color: var(--emerald-300); }
.footer-contact .ci { display: flex; gap: 10px; align-items: flex-start; font-size: 0.92rem; padding: 6px 0; }
.footer-contact .ci svg { width: 17px; height: 17px; color: var(--emerald); flex: none; margin-top: 3px; }
.footer-badges { display: flex; gap: 14px; margin-top: 18px; align-items: center; }
.eho { display: inline-flex; align-items: center; gap: 8px; font-size: 0.8rem; color: #8a99b3; }
.eho svg { width: 26px; height: 26px; color: #aebbd2; }
.footer-legal { padding-top: 26px; display: flex; flex-wrap: wrap; gap: 14px 28px; justify-content: space-between; align-items: center; }
.footer-legal .disclaimer { font-size: 0.78rem; color: #76859f; max-width: 760px; line-height: 1.6; }
.footer-legal .copy { font-size: 0.82rem; color: #8a99b3; }

/* ===================================================================
   CITY / METRO LANDING PAGES
   =================================================================== */
.city-hero { position: relative; overflow: hidden; color: #fff; padding: 44px 0 60px;
  background: radial-gradient(900px 520px at 82% -20%, #14315f 0, transparent 55%), radial-gradient(700px 460px at 0% 120%, #0c2a4a 0, transparent 55%), linear-gradient(160deg, var(--ink-900), var(--ink-700) 62%, var(--navy)); }
.breadcrumb { display: flex; flex-wrap: wrap; gap: 7px; font-size: 0.84rem; color: #9fb0cb; margin-bottom: 18px; }
.breadcrumb a { color: #9fb0cb; } .breadcrumb a:hover { color: var(--emerald-300); }
.breadcrumb span { color: #65748f; }
.city-hero .eyebrow { color: var(--emerald-300); }
.city-hero h1 { font-size: clamp(2rem, 4.6vw, 3.15rem); margin: 12px 0 14px; }
.city-hero .lead { color: #c4d0e4; font-size: 1.1rem; max-width: 700px; margin-bottom: 26px; }
.city-hero .hero-cta { margin-bottom: 4px; }
.city-stats { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 26px; }
.city-stats .chip { background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.16); border-radius: 14px; padding: 12px 18px; }
.city-stats .chip b { display: block; font-family: var(--display); font-weight: 700; font-size: 1.3rem; color: var(--emerald-300); letter-spacing: -0.02em; }
.city-stats .chip span { font-size: 0.8rem; color: #aebbd2; }
.city-section { padding: 64px 0; }
.city-grid { display: grid; grid-template-columns: 1.55fr 1fr; gap: 46px; align-items: start; }
.city-prose h2 { font-size: clamp(1.6rem, 3vw, 2.1rem); margin: 0 0 14px; color: var(--navy); }
.city-prose h3 { font-size: 1.2rem; margin: 28px 0 10px; color: var(--navy); }
.city-prose p { color: var(--text-soft); margin-bottom: 14px; line-height: 1.75; }
.local-areas { display: flex; flex-wrap: wrap; gap: 9px; margin: 16px 0 8px; }
.local-areas .area { background: var(--paper-2); border-radius: 999px; padding: 7px 14px; font-family: var(--display); font-weight: 600; font-size: 0.85rem; color: var(--navy); }
.city-aside { background: var(--paper); border: 1px solid var(--line); border-radius: var(--r-lg); padding: 26px; position: sticky; top: 92px; }
.city-aside h3 { font-family: var(--display); font-size: 1.15rem; color: var(--navy); margin-bottom: 8px; }
.city-aside p { font-size: 0.92rem; color: var(--text-soft); margin-bottom: 16px; }
.city-aside .ci { display: flex; gap: 9px; align-items: center; font-family: var(--display); font-weight: 600; color: var(--navy); margin-bottom: 12px; }
.city-aside .ci svg { width: 18px; height: 18px; color: var(--emerald-600); }
@media (max-width: 900px) { .city-grid { grid-template-columns: 1fr; gap: 32px; } .city-aside { position: static; } }

/* ===================================================================
   LEGAL PAGES (privacy / terms)
   =================================================================== */
.legal-band { background: radial-gradient(900px 500px at 80% -20%, #14315f 0%, transparent 55%), linear-gradient(160deg, var(--ink-900), var(--navy)); color: var(--white); padding: 60px 0 46px; }
.legal-band .eyebrow { color: var(--emerald-300); }
.legal-band h1 { font-size: clamp(2rem, 4.4vw, 3rem); margin: 12px 0 12px; }
.legal-band .legal-updated { color: #aebbd2; font-size: 0.92rem; }
.legal-main { padding: 52px 0 76px; background: var(--paper); }
.legal-prose { max-width: 840px; margin-inline: auto; }
.legal-prose .intro { font-size: 1.05rem; color: var(--text); margin-bottom: 10px; }
.legal-prose h2 { font-size: 1.35rem; margin: 36px 0 12px; color: var(--navy); }
.legal-prose h3 { font-size: 1.08rem; margin: 22px 0 8px; color: var(--navy); }
.legal-prose p { color: var(--text-soft); margin-bottom: 13px; line-height: 1.75; }
.legal-prose ul { padding-left: 22px; list-style: disc; margin-bottom: 14px; }
.legal-prose li { color: var(--text-soft); margin-bottom: 7px; line-height: 1.7; }
.legal-prose a { color: var(--emerald-600); text-decoration: underline; }
.legal-prose strong { color: var(--text); }

/* ===================================================================
   SKIP LINK + FLOATING MOBILE CTA
   =================================================================== */
.skip-link {
  position: absolute; left: -999px; top: 0; z-index: 200;
  background: var(--emerald); color: #042a1d; font-family: var(--display); font-weight: 600;
  padding: 12px 18px; border-radius: 0 0 12px 0;
}
.skip-link:focus { left: 0; }

.mobile-cta { display: none; }
@media (max-width: 720px) {
  .mobile-cta {
    display: grid; grid-template-columns: 1fr 1fr; gap: 10px;
    position: fixed; left: 12px; right: 12px; bottom: 12px; z-index: 95;
  }
  .mobile-cta .btn { box-shadow: var(--shadow-lg); padding: 14px 18px; }
  body { padding-bottom: 78px; }
}

/* ===================================================================
   REVEAL ANIMATION
   =================================================================== */
.reveal { opacity: 0; transform: translateY(28px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
.reveal.in { opacity: 1; transform: none; }

/* ===================================================================
   RESPONSIVE
   =================================================================== */
@media (max-width: 980px) {
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .quote-card { max-width: 460px; }
  .why-grid, .cov-grid, .cta-band-inner { grid-template-columns: 1fr; }
  .prog-grid { grid-template-columns: 1fr 1fr; }
  .test-grid { columns: 2; }
  .steps { grid-template-columns: 1fr 1fr; }
  .stats-inner { grid-template-columns: 1fr 1fr; }
  .stat:nth-child(3) { border-left: none; }
  .stat { border-top: 1px solid rgba(255,255,255,0.09); }
  .stat:nth-child(-n+2) { border-top: none; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .why-visual { aspect-ratio: 16 / 10; }
}
@media (max-width: 720px) {
  .section { padding: 68px 0; }
  .nav-links, .nav-phone { display: none; }
  .nav-actions > .btn--primary { display: none; }
  .nav { gap: 14px; }
  .nav-actions { gap: 10px; }
  .nav-toggle { display: flex; }
  .header.menu-open .nav-links {
    display: flex; position: absolute; top: 74px; left: 0; right: 0; flex-direction: column; align-items: stretch;
    gap: 0; background: var(--white); border-bottom: 1px solid var(--line); padding: 10px 22px 18px; box-shadow: var(--shadow-md);
  }
  .header.menu-open .nav-links a { padding: 13px 0; border-bottom: 1px solid var(--line); }
  .prog-grid, .steps, .stats-inner, .footer-grid { grid-template-columns: 1fr; }
  .test-grid { columns: 1; }
  .stat { border-left: none; }
  .field-row { grid-template-columns: 1fr; }
  .hero h1 { font-size: clamp(2.1rem, 9vw, 2.8rem); }
  .cta-band-actions { flex-direction: column; }
}

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