/* ==========================================================================
   Home Sold Offers — shared site stylesheet
   Design system for all pages (home, blog, content, legal).
   Brand: teal #024dbd, Manrope, flat & minimal.
   ========================================================================== */

:root {
  --teal: #024dbd;
  --teal-dark: #033c93;
  --text: #212529;
  --gray: #5b6573;
  --line: #e6ecf2;
  --bg: #ffffff;
  --bg-soft: #f3f8fc;
  --radius: 8px;
  --maxw: 1200px;
  --font: 'Manrope', system-ui, -apple-system, Segoe UI, Roboto, sans-serif;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { font-family: var(--font); color: var(--text); background: var(--bg); line-height: 1.6; -webkit-font-smoothing: antialiased; }
a { color: inherit; text-decoration: none; }
img { display: block; max-width: 100%; }
.wrap { max-width: var(--maxw); margin: 0 auto; padding: 0 32px; }
.eyebrow { color: var(--teal); font-weight: 700; font-size: 13px; letter-spacing: .09em; text-transform: uppercase; }
.center { text-align: center; }
.visually-hidden { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }

/* Buttons -------------------------------------------------------------- */
.btn { display: inline-flex; align-items: center; gap: 8px; background: var(--teal); color: #fff; font-weight: 700; font-size: 15px; padding: 13px 22px; border-radius: var(--radius); transition: transform .15s, background .15s; cursor: pointer; border: 0; font-family: var(--font); }
.btn:hover { background: var(--teal-dark); transform: translateY(-1px); }
.btn-lg { font-size: 17px; padding: 16px 30px; }
.btn-ghost { background: transparent; color: var(--teal); box-shadow: inset 0 0 0 2px var(--teal); }
.btn-ghost:hover { background: rgba(2,77,189,.06); }
.btn-white { background: #fff; color: var(--teal); }
.btn-white:hover { background: #eef4ff; }

/* Header / nav --------------------------------------------------------- */
header.nav { height: 90px; display: flex; align-items: center; position: sticky; top: 0; background: rgba(255,255,255,.98); backdrop-filter: blur(10px); z-index: 60; border-bottom: 1px solid var(--line); }
.nav .wrap { display: flex; align-items: center; justify-content: space-between; width: 100%; gap: 24px; }
.logo img { height: 54px; width: auto; display: block; }
.nav-links { display: flex; gap: 30px; align-items: center; }
.nav-links a { font-weight: 600; font-size: 15px; color: var(--text); transition: color .15s; }
.nav-links a:hover, .nav-links a.active { color: var(--teal); }
.nav-cta { display: flex; align-items: center; gap: 14px; }
.hamburger { display: none; flex-direction: column; gap: 5px; width: 42px; height: 42px; align-items: center; justify-content: center; background: none; border: 0; cursor: pointer; padding: 0; }
.hamburger span { display: block; width: 22px; height: 2px; background: var(--text); border-radius: 2px; transition: transform .2s, opacity .2s; }
body.menu-open .hamburger span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
body.menu-open .hamburger span:nth-child(2) { opacity: 0; }
body.menu-open .hamburger span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Page hero (content/legal page header band) -------------------------- */
.page-hero { background: var(--bg-soft); border-bottom: 1px solid var(--line); padding: 64px 0 56px; }
.page-hero .wrap { max-width: 820px; }
.page-hero h1 { font-size: 44px; font-weight: 800; letter-spacing: -.03em; line-height: 1.08; margin: 12px 0 0; }
.page-hero p { color: var(--gray); font-size: 19px; margin-top: 16px; }
.breadcrumb { color: var(--gray); font-size: 14px; font-weight: 500; }
.breadcrumb a:hover { color: var(--teal); }

/* Generic section ------------------------------------------------------ */
.section { padding: 84px 0; }
.section.alt { background: var(--bg-soft); }
.section-head { max-width: 680px; margin: 0 auto 52px; text-align: center; }
.section-head h2 { font-size: 36px; font-weight: 800; letter-spacing: -.025em; line-height: 1.12; margin-top: 12px; }
.section-head p { color: var(--gray); font-size: 18px; margin-top: 14px; }

/* Feature / reason cards ---------------------------------------------- */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.card { background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 30px 28px; transition: transform .18s, box-shadow .18s; }
.card:hover { transform: translateY(-4px); box-shadow: 0 22px 44px -28px rgba(2,77,189,.4); }
.card .ic { width: 52px; height: 52px; border-radius: 13px; background: rgba(2,77,189,.08); display: grid; place-items: center; margin-bottom: 18px; }
.card .ic svg { width: 26px; height: 26px; stroke: var(--teal); fill: none; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.card h3 { font-size: 20px; font-weight: 700; letter-spacing: -.01em; margin-bottom: 8px; }
.card p { color: var(--gray); font-size: 15px; }

/* Numbered steps (balanced equal-height cards) ------------------------ */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.step { position: relative; background: #fff; border: 1px solid var(--line); border-radius: 20px; padding: 40px 32px 34px; text-align: center; transition: transform .18s, box-shadow .18s, border-color .18s; }
.step:hover { transform: translateY(-5px); box-shadow: 0 28px 56px -32px rgba(2,77,189,.5); border-color: rgba(2,77,189,.28); }
.step .num { width: 66px; height: 66px; border-radius: 50%; margin: 0 auto 22px; background: linear-gradient(150deg, #024dbd, #06378f); color: #fff; font-weight: 800; font-size: 27px; display: grid; place-items: center; box-shadow: 0 16px 32px -14px rgba(2,77,189,.7); }
.step h3 { font-size: 20px; font-weight: 700; letter-spacing: -.01em; margin-bottom: 10px; }
.step p { color: var(--gray); font-size: 15px; line-height: 1.6; }

/* Stat / trust strip --------------------------------------------------- */
.trust-strip { border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); background: var(--bg-soft); }
.trust-strip .wrap { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 24px; padding: 26px 32px; }
.trust-item .big { font-weight: 800; font-size: 22px; letter-spacing: -.02em; }
.trust-item .lab { color: var(--gray); font-size: 13px; font-weight: 600; line-height: 1.3; }
.stars { color: #f5a623; font-size: 17px; letter-spacing: 1px; }

/* Guide / post cards --------------------------------------------------- */
.cards-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 34px 30px; }
.post-card { display: flex; flex-direction: column; }
.post-card .media { aspect-ratio: 16/10; border-radius: 12px; margin-bottom: 16px; overflow: hidden; background: var(--bg-soft); }
.post-card .media img { width: 100%; height: 100%; object-fit: cover; transition: transform .4s ease; }
.post-card:hover .media img { transform: scale(1.05); }
.post-card .tag { color: var(--teal); font-weight: 700; font-size: 12px; letter-spacing: .04em; text-transform: uppercase; }
.post-card h3 { font-size: 20px; font-weight: 700; letter-spacing: -.01em; line-height: 1.25; margin: 9px 0 8px; transition: color .15s; }
.post-card:hover h3 { color: var(--teal); }
.post-card p { color: var(--gray); font-size: 15px; }
.post-card .meta { color: var(--gray); font-size: 13px; font-weight: 500; margin-top: 12px; }

/* FAQ accordion -------------------------------------------------------- */
.faq { max-width: 820px; margin: 0 auto; }
.faq-item { border: 1px solid var(--line); border-radius: 12px; margin-bottom: 14px; background: #fff; overflow: hidden; }
.faq-item summary { list-style: none; cursor: pointer; padding: 22px 26px; font-weight: 700; font-size: 18px; display: flex; align-items: center; justify-content: space-between; gap: 16px; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item .chev { width: 26px; height: 26px; flex: none; border-radius: 50%; background: rgba(2,77,189,.08); color: var(--teal); display: grid; place-items: center; font-weight: 800; font-size: 18px; transition: transform .25s; }
.faq-item[open] .chev { transform: rotate(45deg); }
.faq-item .faq-a { padding: 0 26px 22px; color: var(--gray); font-size: 16px; }

/* Reviews -------------------------------------------------------------- */
.reviews { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.review { background: #fff; border: 1px solid var(--line); border-radius: 18px; padding: 30px 28px; display: flex; flex-direction: column; }
.review .stars { margin-bottom: 14px; }
.review .quote { font-size: 16.5px; font-weight: 500; line-height: 1.6; color: var(--text); flex: 1; }
.review .who { display: flex; align-items: center; gap: 12px; margin-top: 22px; padding-top: 20px; border-top: 1px solid var(--line); }
.review .who img { width: 46px; height: 46px; border-radius: 50%; object-fit: cover; }
.review .who .nm { font-weight: 700; font-size: 15px; }
.review .who .loc { color: var(--gray); font-size: 13px; }

/* Prose (legal / long-form content) ----------------------------------- */
.prose { max-width: 760px; margin: 0 auto; padding: 64px 0 88px; color: var(--text); }
.prose h2 { font-size: 26px; font-weight: 800; letter-spacing: -.02em; margin: 38px 0 12px; }
.prose h3 { font-size: 19px; font-weight: 700; margin: 26px 0 8px; }
.prose p { color: #404750; font-size: 16.5px; margin-bottom: 16px; }
.prose ul, .prose ol { margin: 0 0 16px 22px; color: #404750; font-size: 16.5px; }
.prose li { margin-bottom: 8px; }
.prose a { color: var(--teal); font-weight: 600; }
.prose a:hover { text-decoration: underline; }
.prose .updated { color: var(--gray); font-size: 14px; font-weight: 600; margin-bottom: 8px; }

/* ======================================================================
   ARTICLE / BLOG POST  (NerdWallet-style editorial layout)
   Scoped to .article-* and .article-prose so legal/.prose pages are
   untouched. Brand stays Manrope + teal.
   ====================================================================== */

/* Reading progress bar (top hairline) */
.reading-progress { position: fixed; top: 0; left: 0; right: 0; height: 3px; z-index: 70; background: transparent; pointer-events: none; }
.reading-progress span { display: block; height: 100%; width: 0; background: linear-gradient(90deg, var(--teal), #2f8bff); box-shadow: 0 0 10px rgba(2,77,189,.5); transition: width .08s linear; }

/* Tight editorial hero (replaces the roomy .page-hero on articles) */
.article-hero { padding: 38px 0 6px; }
.article-hero .wrap { max-width: 1200px; }
.article-hero .inner { max-width: 880px; }
.article-hero .breadcrumb { display: inline-block; margin-bottom: 16px; }
.cat-pill { display: inline-flex; align-items: center; gap: 7px; background: rgba(2,77,189,.09); color: var(--teal); font-weight: 800; font-size: 12px; letter-spacing: .08em; text-transform: uppercase; padding: 7px 13px; border-radius: 100px; }
.cat-pill::before { content: ""; width: 6px; height: 6px; border-radius: 50%; background: var(--teal); }
.article-hero h1 { font-size: 46px; font-weight: 800; letter-spacing: -.032em; line-height: 1.07; margin: 16px 0 0; max-width: none; }
.article-hero .dek { color: var(--gray); font-size: 20px; line-height: 1.45; margin: 16px 0 0; max-width: 60ch; }

/* Byline */
.byline-row { display: flex; align-items: center; gap: 13px; margin-top: 22px; }
.byline-avatar { width: 44px; height: 44px; border-radius: 50%; background: linear-gradient(135deg, #024dbd, #06378f); color: #fff; display: grid; place-items: center; font-weight: 800; font-size: 19px; flex: none; box-shadow: 0 6px 16px -8px rgba(2,77,189,.7); }
.byline-name { display: block; font-weight: 700; font-size: 14.5px; color: var(--text); }
.byline-meta { display: block; color: var(--gray); font-size: 13.5px; font-weight: 500; margin-top: 1px; }

/* Two-column body: article + sticky offer/TOC rail */
.article-layout { display: grid; grid-template-columns: minmax(0,1fr) 348px; gap: 60px; align-items: start; padding: 30px 0 64px; }
.article-main { min-width: 0; }
.article-figure { margin: 0 0 34px; }
.article-figure img { width: 100%; aspect-ratio: 16/9; object-fit: cover; border-radius: 16px; box-shadow: 0 30px 60px -34px rgba(2,40,90,.5); }
.article-figure figcaption { color: var(--gray); font-size: 13px; margin-top: 10px; text-align: center; }

/* Key takeaways card */
.key-takeaways { background: var(--bg-soft); border: 1px solid var(--line); border-left: 4px solid var(--teal); border-radius: 14px; padding: 22px 26px 24px; margin: 0 0 34px; }
.key-takeaways h2 { font-size: 13px; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; color: var(--teal); margin: 0 0 12px; display: flex; align-items: center; gap: 9px; }
.key-takeaways h2 svg { width: 17px; height: 17px; stroke: var(--teal); fill: none; stroke-width: 2.4; stroke-linecap: round; stroke-linejoin: round; }
.key-takeaways ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.key-takeaways li { position: relative; padding-left: 26px; font-size: 16px; font-weight: 600; color: var(--text); line-height: 1.5; }
.key-takeaways li::before { content: ""; position: absolute; left: 2px; top: 7px; width: 11px; height: 7px; border-left: 2.5px solid var(--teal); border-bottom: 2.5px solid var(--teal); transform: rotate(-45deg); }

/* Article prose enhancements (modifier on top of base .prose) */
.article-main .prose { max-width: none; margin: 0; padding: 0; }
.article-prose { font-size: 17.5px; }
.article-prose > p { font-size: 17.5px; line-height: 1.72; margin-bottom: 20px; color: #3a424d; }
.article-prose > p:first-of-type { font-size: 20px; line-height: 1.6; color: #2a313b; }
.article-prose > p:first-of-type::first-letter { float: left; font-size: 64px; line-height: .82; font-weight: 800; color: var(--teal); padding: 4px 12px 0 0; }
.article-prose h2 { font-size: 27px; font-weight: 800; letter-spacing: -.022em; line-height: 1.2; margin: 46px 0 14px; padding-top: 34px; border-top: 1px solid var(--line); }
.article-prose h3 { font-size: 20px; font-weight: 700; margin: 30px 0 8px; }
.article-prose ul, .article-prose ol { margin: 18px 0 22px; padding: 0; }
.article-prose ul { list-style: none; }
.article-prose ul li { position: relative; padding-left: 28px; margin-bottom: 11px; line-height: 1.6; color: #3a424d; }
.article-prose ul li::before { content: ""; position: absolute; left: 4px; top: .62em; width: 8px; height: 8px; background: var(--teal); border-radius: 2px; transform: rotate(45deg); }
.article-prose ol { list-style: none; counter-reset: li; }
.article-prose ol li { position: relative; padding-left: 38px; margin-bottom: 12px; line-height: 1.6; color: #3a424d; counter-increment: li; }
.article-prose ol li::before { content: counter(li); position: absolute; left: 0; top: .05em; width: 25px; height: 25px; background: rgba(2,77,189,.1); color: var(--teal); font-weight: 800; font-size: 13px; border-radius: 7px; display: grid; place-items: center; }
.article-prose li strong { color: var(--text); }
.article-prose blockquote { margin: 30px 0; padding: 4px 0 4px 24px; border-left: 4px solid var(--teal); font-size: 22px; line-height: 1.45; font-weight: 700; letter-spacing: -.015em; color: var(--text); }
.article-prose .callout { background: linear-gradient(180deg, #f3f8fc, #fff); border: 1px solid var(--line); border-radius: 14px; padding: 20px 24px; margin: 28px 0; }
.article-prose .callout strong { color: var(--teal); }
.article-prose hr { border: 0; height: 1px; background: var(--line); margin: 40px 0; }
.article-prose .updated { color: var(--gray); font-size: 14px; font-weight: 600; margin-bottom: 8px; }

/* Sticky rail */
.article-aside { position: sticky; top: 110px; display: grid; gap: 22px; }
.offer-widget { border: 1px solid var(--line); border-radius: 18px; overflow: hidden; background: #fff; box-shadow: 0 24px 50px -34px rgba(2,40,90,.45); }
.offer-widget .ow-head { background: linear-gradient(150deg, #024dbd, #06378f 60%, #04254f); color: #fff; padding: 22px 22px 20px; position: relative; overflow: hidden; }
.offer-widget .ow-head::before { content: ""; position: absolute; inset: 0; background: radial-gradient(circle at 85% 12%, rgba(255,255,255,.18), transparent 46%); }
.offer-widget .ow-head > * { position: relative; }
.offer-widget .kicker { color: rgba(255,255,255,.85); font-weight: 800; font-size: 11px; letter-spacing: .1em; text-transform: uppercase; }
.offer-widget h3 { font-size: 22px; font-weight: 800; letter-spacing: -.02em; margin: 7px 0 6px; }
.offer-widget .ow-head p { color: rgba(255,255,255,.85); font-size: 14px; line-height: 1.5; }
.offer-widget .formframe iframe { height: 720px; background: #fff; }
.offer-widget .ow-trust { display: flex; align-items: center; gap: 8px; padding: 13px 20px; border-top: 1px solid var(--line); color: var(--gray); font-size: 13px; font-weight: 600; }
.offer-widget .ow-trust .stars { font-size: 14px; }

/* Table of contents */
.toc { border: 1px solid var(--line); border-radius: 16px; padding: 20px 22px; }
.toc h4 { font-size: 12px; text-transform: uppercase; letter-spacing: .09em; color: var(--gray); margin-bottom: 12px; }
.toc ol { list-style: none; counter-reset: toc; display: grid; gap: 2px; }
.toc li { counter-increment: toc; }
.toc a { display: block; font-size: 14px; font-weight: 600; color: var(--gray); padding: 7px 10px 7px 14px; border-radius: 8px; border-left: 2px solid transparent; line-height: 1.35; transition: color .15s, background .15s, border-color .15s; }
.toc a:hover { color: var(--teal); background: rgba(2,77,189,.05); }
.toc a.active { color: var(--teal); background: rgba(2,77,189,.07); border-left-color: var(--teal); }

/* Load-in animation */
@keyframes fadeUp { from { opacity: 0; transform: translateY(14px); } to { opacity: 1; transform: none; } }
.article-hero .inner > * { animation: fadeUp .55s both; }
.article-hero .inner > *:nth-child(1) { animation-delay: .02s; }
.article-hero .inner > *:nth-child(2) { animation-delay: .08s; }
.article-hero .inner > *:nth-child(3) { animation-delay: .14s; }
.article-hero .inner > *:nth-child(4) { animation-delay: .2s; }
.article-hero .inner > *:nth-child(5) { animation-delay: .26s; }
.article-figure { animation: fadeUp .6s .3s both; }
@media (prefers-reduced-motion: reduce) {
  .article-hero .inner > *, .article-figure { animation: none; }
  .reading-progress span { transition: none; }
}

/* Article responsive */
@media (max-width: 980px) {
  .article-layout { grid-template-columns: 1fr; gap: 0; padding: 24px 0 56px; }
  .article-aside { position: static; margin-top: 40px; }
  .toc { display: none; }
  .article-hero h1 { font-size: 33px; max-width: none; }
  .article-hero .dek { font-size: 17px; }
  .article-prose > p:first-of-type { font-size: 18px; }
  .article-prose > p:first-of-type::first-letter { font-size: 52px; }
  .article-prose h2 { font-size: 23px; margin-top: 36px; padding-top: 26px; }
}

/* Location link grids (states / cities) ------------------------------- */
.link-grid { list-style: none; display: grid; grid-template-columns: repeat(auto-fill, minmax(220px, 1fr)); gap: 2px 28px; margin: 8px 0 0; padding: 0; }
.link-grid li { margin: 0; }
.link-grid a { display: flex; align-items: baseline; justify-content: space-between; gap: 10px; padding: 11px 2px; font-weight: 600; font-size: 15.5px; color: var(--text); border-bottom: 1px solid var(--line); transition: color .15s, padding-left .15s; }
.link-grid a:hover { color: var(--teal); padding-left: 6px; }
.link-grid a .sub { color: var(--gray); font-weight: 500; font-size: 12.5px; white-space: nowrap; }

/* States + cities accordion (locations index) ------------------------- */
.state-accordion { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 0 36px; align-items: start; align-content: start; }
.state-acc { border-bottom: 1px solid var(--line); }
.state-acc > summary { list-style: none; cursor: pointer; display: flex; align-items: center; justify-content: space-between; gap: 12px; padding: 13px 2px; }
.state-acc > summary::-webkit-details-marker { display: none; }
.state-acc .state-link { font-weight: 700; font-size: 15.5px; color: var(--text); transition: color .15s; }
.state-acc .state-link:hover { color: var(--teal); }
.state-acc .state-link .sub { color: var(--gray); font-weight: 500; font-size: 12.5px; margin-left: 7px; }
.state-acc .chev { width: 26px; height: 26px; flex: none; border-radius: 50%; background: rgba(2,77,189,.07); color: var(--teal); display: grid; place-items: center; font-weight: 800; font-size: 17px; line-height: 1; transition: transform .2s, background .15s; }
.state-acc[open] > summary .chev { transform: rotate(45deg); background: rgba(2,77,189,.13); }
.state-acc .city-list { display: grid; gap: 8px; padding: 2px 2px 16px 4px; }
.state-acc .city-list a { font-size: 14.5px; color: #404750; font-weight: 500; transition: color .15s, padding-left .15s; }
.state-acc .city-list a:hover { color: var(--teal); padding-left: 4px; }
.state-acc .city-list .all { font-weight: 700; color: var(--teal); margin-top: 2px; }

/* Hero with side offer form (why-us, etc.) ---------------------------- */
.page-hero.hero-form { padding: 44px 0 52px; }
.page-hero.hero-form .wrap { max-width: var(--maxw); }
.hero-split { display: grid; grid-template-columns: 1.05fr .95fr; gap: 52px; align-items: start; }
.hero-split .hero-copy { padding-top: 8px; }
.hero-split .hero-copy h1 { font-size: 42px; font-weight: 800; letter-spacing: -.03em; line-height: 1.08; margin: 12px 0 0; }
.hero-split .hero-copy > p { color: var(--gray); font-size: 18px; margin-top: 16px; max-width: 52ch; }
.hero-benefits { list-style: none; margin: 24px 0 0; display: grid; gap: 12px; }
.hero-benefits li { display: flex; align-items: center; gap: 11px; font-weight: 600; font-size: 16px; color: var(--text); }
.hero-benefits li::before { content: "\2713"; display: grid; place-items: center; width: 22px; height: 22px; border-radius: 50%; background: rgba(2,77,189,.1); color: var(--teal); font-weight: 800; font-size: 12px; flex: none; }

/* Contact info panel (right rail of contact page) --------------------- */
.contact-info { display: grid; gap: 14px; align-content: start; }
.contact-row { display: flex; gap: 15px; align-items: flex-start; background: #fff; border: 1px solid var(--line); border-radius: 14px; padding: 18px 20px; transition: border-color .15s, box-shadow .15s, transform .15s; }
.contact-row:hover { border-color: rgba(2,77,189,.28); box-shadow: 0 18px 38px -28px rgba(2,77,189,.45); transform: translateY(-2px); }
.contact-row .ic { width: 46px; height: 46px; border-radius: 12px; background: rgba(2,77,189,.08); display: grid; place-items: center; flex: none; }
.contact-row .ic svg { width: 22px; height: 22px; stroke: var(--teal); fill: none; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.contact-row h3 { font-size: 16px; font-weight: 700; margin: 0 0 3px; }
.contact-row p { color: var(--gray); font-size: 14.5px; line-height: 1.55; margin: 0; }
.contact-row a { color: var(--teal); font-weight: 600; }
.contact-cta { background: linear-gradient(150deg, #024dbd, #06378f 55%, #04254f); color: #fff; border-radius: 16px; padding: 26px 24px; text-align: center; position: relative; overflow: hidden; }
.contact-cta::before { content: ""; position: absolute; inset: 0; background: radial-gradient(circle at 85% 12%, rgba(255,255,255,.16), transparent 46%); }
.contact-cta > * { position: relative; }
.contact-cta p { color: rgba(255,255,255,.88); font-size: 15px; margin: 0 0 16px; }
.contact-social { text-align: center; color: var(--gray); font-size: 14px; padding: 4px 0; }
.contact-social a { color: var(--teal); font-weight: 600; }
@media (max-width: 900px) {
  .hero-split { grid-template-columns: 1fr; gap: 30px; }
  .hero-split .hero-copy h1 { font-size: 31px; }
}

/* ======================================================================
   FAQ — premium help-center (scoped to .faq-hero / .faq-layout / .qa)
   ====================================================================== */
.faq-hero { position: relative; overflow: hidden; color: #fff; background: linear-gradient(155deg, #024dbd 0%, #063b95 52%, #04244f 100%); border-bottom: 1px solid rgba(255,255,255,.08); }
.faq-hero::before { content: ""; position: absolute; inset: 0; background: radial-gradient(120% 95% at 85% -10%, rgba(125,175,255,.32), transparent 55%), radial-gradient(90% 80% at 0% 110%, rgba(1,22,60,.6), transparent 60%); }
.faq-hero::after { content: ""; position: absolute; inset: 0; opacity: .5; background-image: linear-gradient(rgba(255,255,255,.05) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.05) 1px, transparent 1px); background-size: 46px 46px; -webkit-mask-image: radial-gradient(75% 60% at 50% 28%, #000, transparent 78%); mask-image: radial-gradient(75% 60% at 50% 28%, #000, transparent 78%); }
.faq-hero .wrap { position: relative; max-width: 860px; text-align: center; padding-top: 78px; padding-bottom: 92px; }
.eyebrow-light { display: inline-flex; align-items: center; gap: 8px; color: #c4daff; font-weight: 800; font-size: 12.5px; letter-spacing: .12em; text-transform: uppercase; background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.18); padding: 7px 15px; border-radius: 100px; }
.faq-hero h1 { font-size: 52px; font-weight: 800; letter-spacing: -.03em; line-height: 1.05; margin: 22px 0 0; }
.faq-hero .sub { color: rgba(255,255,255,.82); font-size: 19px; line-height: 1.55; margin: 16px auto 0; max-width: 48ch; }
.faq-search { position: relative; max-width: 580px; margin: 36px auto 0; }
.faq-search > svg { position: absolute; left: 20px; top: 50%; transform: translateY(-50%); width: 20px; height: 20px; stroke: #8093b3; fill: none; stroke-width: 2; stroke-linecap: round; pointer-events: none; }
.faq-search input { width: 100%; border: 0; border-radius: 14px; padding: 18px 20px 18px 54px; font-family: var(--font); font-size: 16px; color: var(--text); background: #fff; box-shadow: 0 26px 54px -22px rgba(2,18,55,.7); outline: none; }
.faq-search input::placeholder { color: #8a97a8; }
.faq-search input:focus { box-shadow: 0 26px 54px -22px rgba(2,18,55,.7), 0 0 0 4px rgba(255,255,255,.28); }
.faq-hero .trust { display: flex; gap: 14px 28px; justify-content: center; flex-wrap: wrap; margin-top: 26px; color: rgba(255,255,255,.82); font-size: 14px; font-weight: 600; }
.faq-hero .trust span { display: inline-flex; align-items: center; gap: 8px; }
.faq-hero .trust .stars { color: #ffcb45; letter-spacing: 1px; }

.faq-layout { display: grid; grid-template-columns: 264px 1fr; gap: 56px; align-items: start; padding: 60px 0 16px; }
.faq-nav { position: sticky; top: 110px; display: grid; gap: 22px; }
.faq-nav .nav-title { font-size: 12px; text-transform: uppercase; letter-spacing: .09em; color: var(--gray); font-weight: 800; margin-bottom: 8px; }
.cat-links a { display: flex; align-items: center; gap: 11px; padding: 10px 12px; border-radius: 10px; font-weight: 600; font-size: 15px; color: var(--gray); border-left: 2px solid transparent; transition: color .15s, background .15s, border-color .15s; }
.cat-links a:hover { color: var(--teal); background: rgba(2,77,189,.05); }
.cat-links a.active { color: var(--teal); background: rgba(2,77,189,.07); border-left-color: var(--teal); }
.cat-links a .n { width: 24px; height: 24px; border-radius: 7px; background: rgba(2,77,189,.1); color: var(--teal); display: grid; place-items: center; font-size: 12px; font-weight: 800; flex: none; }
.help-card { border: 1px solid var(--line); border-radius: 18px; padding: 24px; background: linear-gradient(180deg, #f3f8fc, #fff); }
.help-card h4 { font-size: 17px; font-weight: 800; letter-spacing: -.01em; margin-bottom: 6px; }
.help-card p { color: var(--gray); font-size: 14px; line-height: 1.55; margin-bottom: 16px; }

.faq-group { margin-bottom: 44px; scroll-margin-top: 110px; }
.faq-group .g-head { display: flex; align-items: center; gap: 13px; margin-bottom: 18px; }
.faq-group .g-head .g-ic { width: 42px; height: 42px; border-radius: 12px; background: rgba(2,77,189,.08); display: grid; place-items: center; flex: none; }
.faq-group .g-head .g-ic svg { width: 21px; height: 21px; stroke: var(--teal); fill: none; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.faq-group .g-head h2 { font-size: 23px; font-weight: 800; letter-spacing: -.02em; }
.qa { border: 1px solid var(--line); border-radius: 14px; background: #fff; margin-bottom: 12px; transition: border-color .15s, box-shadow .2s, transform .15s; }
.qa:hover { border-color: rgba(2,77,189,.28); }
.qa[open] { border-color: rgba(2,77,189,.38); box-shadow: 0 22px 46px -30px rgba(2,77,189,.6); }
.qa summary { list-style: none; cursor: pointer; display: flex; align-items: center; gap: 16px; padding: 20px 22px; font-weight: 700; font-size: 17px; letter-spacing: -.01em; color: var(--text); }
.qa summary::-webkit-details-marker { display: none; }
.qa summary .q-txt { flex: 1; }
.qa .chev2 { width: 30px; height: 30px; flex: none; border-radius: 50%; background: rgba(2,77,189,.08); color: var(--teal); display: grid; place-items: center; font-weight: 800; font-size: 20px; line-height: 1; transition: transform .25s, background .15s, color .15s; }
.qa[open] .chev2 { transform: rotate(45deg); background: var(--teal); color: #fff; }
.qa .q-a { padding: 0 22px 22px; color: #475063; font-size: 16px; line-height: 1.7; }
.qa .q-a a { color: var(--teal); font-weight: 600; }
.faq-empty { display: none; text-align: center; color: var(--gray); padding: 34px; border: 1px dashed #c9d6e2; border-radius: 14px; font-size: 16px; }
.faq-empty a { color: var(--teal); font-weight: 600; }

@media (max-width: 900px) {
  .faq-hero h1 { font-size: 33px; }
  .faq-hero .sub { font-size: 16px; }
  .faq-hero .wrap { padding-top: 52px; padding-bottom: 60px; }
  .faq-layout { grid-template-columns: 1fr; gap: 0; padding: 40px 0 8px; }
  .faq-nav { position: static; order: 2; margin-top: 36px; }
  .cat-links { display: none; }
}

/* Forms (contact) ------------------------------------------------------ */
.field { margin-bottom: 18px; }
.field label { display: block; font-weight: 700; font-size: 14px; margin-bottom: 7px; }
.field input, .field select, .field textarea { width: 100%; border: 1px solid #d8dee6; border-radius: var(--radius); padding: 13px 14px; font-family: var(--font); font-size: 15px; color: var(--text); background: #fff; outline: none; transition: border-color .15s, box-shadow .15s; }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--teal); box-shadow: 0 0 0 3px rgba(2,77,189,.12); }
.field textarea { min-height: 130px; resize: vertical; }

/* Offer iframe --------------------------------------------------------- */
.formframe iframe { display: block; width: 100%; height: 720px; border: 0; }

/* CTA band ------------------------------------------------------------- */
.final-cta { background: linear-gradient(150deg, #024dbd, #06378f 55%, #04254f); color: #fff; border-radius: 24px; padding: 64px; text-align: center; position: relative; overflow: hidden; }
.final-cta::before { content: ""; position: absolute; inset: 0; background: radial-gradient(circle at 85% 15%, rgba(255,255,255,.14), transparent 45%); }
.final-cta > * { position: relative; }
.final-cta h2 { font-size: 36px; font-weight: 800; letter-spacing: -.025em; }
.final-cta p { color: rgba(255,255,255,.85); font-size: 18px; margin: 14px auto 28px; max-width: 480px; }

/* Footer --------------------------------------------------------------- */
footer.site-footer { border-top: 1px solid var(--line); padding: 60px 0 36px; background: #fff; }
.foot-top { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr 1.1fr 1.05fr; gap: 40px; }
.foot-brand .logo img { height: 50px; }
.foot-brand .blurb { color: var(--gray); font-size: 14px; max-width: 280px; margin: 14px 0 16px; }
.foot-cta { display: inline-flex; align-items: center; gap: 7px; font-weight: 700; font-size: 14px; color: #fff; background: var(--teal); padding: 11px 18px; border-radius: var(--radius); margin-bottom: 20px; transition: background .15s, transform .15s; }
.foot-cta:hover { color: #fff; background: var(--teal-dark); transform: translateY(-1px); }
.socials { display: flex; gap: 10px; }
.socials a { width: 38px; height: 38px; border-radius: 9px; border: 1px solid var(--line); display: grid; place-items: center; color: var(--gray); transition: color .15s, border-color .15s, transform .15s; }
.socials a:hover { color: var(--teal); border-color: var(--teal); transform: translateY(-2px); }
.socials svg { width: 18px; height: 18px; fill: currentColor; }
.foot-col h5 { font-size: 13px; text-transform: uppercase; letter-spacing: .06em; color: var(--gray); margin-bottom: 14px; }
.foot-col a { display: block; font-size: 15px; font-weight: 500; margin-bottom: 10px; color: var(--text); }
.foot-col a:hover { color: var(--teal); }
.legal { color: var(--gray); font-size: 12px; margin-top: 40px; padding-top: 24px; border-top: 1px solid var(--line); line-height: 1.7; }

/* Responsive ----------------------------------------------------------- */
@media (max-width: 900px) {
  .wrap { padding: 0 20px; }
  .nav-links { position: fixed; top: 90px; left: 0; right: 0; background: #fff; border-bottom: 1px solid var(--line); flex-direction: column; align-items: stretch; gap: 0; padding: 8px 0; box-shadow: 0 24px 40px -24px rgba(0,0,0,.25); transform: translateY(-12px); opacity: 0; pointer-events: none; transition: transform .2s, opacity .2s; }
  .nav-links a { padding: 14px 24px; font-size: 16px; }
  body.menu-open .nav-links { transform: translateY(0); opacity: 1; pointer-events: auto; }
  .hamburger { display: flex; }
  .nav-cta .btn { display: none; }
  .page-hero { padding: 48px 0 40px; }
  .page-hero h1 { font-size: 33px; }
  .section { padding: 60px 0; }
  .section-head { margin-bottom: 36px; }
  .section-head h2 { font-size: 28px; }
  .grid-3, .grid-2, .steps, .reviews, .cards-grid { grid-template-columns: 1fr; }
  .step:not(:last-child)::after { display: none; }
  .trust-strip .wrap { justify-content: flex-start; gap: 22px 30px; }
  .foot-top { grid-template-columns: repeat(2, 1fr); gap: 32px 30px; }
  .foot-brand { grid-column: 1 / -1; }
  .final-cta { padding: 44px 26px; }
  .final-cta h2 { font-size: 28px; }
  .prose { padding: 44px 0 64px; }
}

@media (max-width: 560px) {
  .foot-top { grid-template-columns: 1fr; }
  .page-hero h1 { font-size: 28px; }
}

/* ============ Offer launcher + full-screen form overlay ============ */
/* Replaces the old embedded offer iframe: a lightweight address field that
   opens our full-screen Wizard (same-origin /embed/form) in a viewport overlay. */
.offer-launch { display: flex; flex-direction: column; gap: 12px; position: relative; }
.offer-launch-input {
  width: 100%; padding: 14px 16px; font-size: 16px; font-family: var(--font);
  color: #0b1f3a; background: #fff; border: 1px solid var(--line);
  border-radius: var(--radius); transition: border-color .15s, box-shadow .15s;
}
.offer-launch-input::placeholder { color: #9aa6b4; }
.offer-launch-input:focus { outline: none; border-color: var(--teal); box-shadow: 0 0 0 3px rgba(2,77,189,.14); }
.offer-launch-btn { width: 100%; justify-content: center; }

.shf-form-overlay { position: fixed; inset: 0; z-index: 1000; display: flex; background: rgba(3,16,40,.55); }
.shf-form-overlay[hidden] { display: none; }
.shf-form-overlay iframe { flex: 1; width: 100%; height: 100%; border: 0; background: #fff; }
.shf-form-close {
  position: fixed; top: 14px; right: 16px; z-index: 1001; width: 44px; height: 44px;
  display: grid; place-items: center; border: 0; border-radius: 999px; cursor: pointer;
  background: rgba(255,255,255,.94); color: #0b1f3a; font-size: 26px; line-height: 1;
  box-shadow: 0 10px 30px -12px rgba(0,0,0,.55);
}
.shf-form-close:hover { background: #fff; }
body.shf-form-open { overflow: hidden; }