/* Reliable Cashflow™ — Allocator-grade visual system
   Navy #0A1628 · Brass #C9A86A · Cream #F5F0E6 */

:root {
  --navy: #0A1628;
  --navy-2: #12203A;
  --navy-3: #1B2C4A;
  --brass: #C9A86A;
  --brass-2: #B8945A;
  --brass-3: #E0C38A;
  --cream: #F5F0E6;
  --cream-2: #EEE7D6;
  --ink: #0A1628;
  --ink-2: #2A3547;
  --muted: #6B7588;
  --line: rgba(201, 168, 106, 0.25);
  --line-dark: rgba(10, 22, 40, 0.12);
  --success: #2D7A4E;
  --danger: #B84242;
  --radius: 2px;
  --max: 1180px;
  --shadow-lg: 0 24px 60px -20px rgba(10, 22, 40, 0.45);
  --shadow-md: 0 12px 30px -12px rgba(10, 22, 40, 0.3);
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;
  font-size: 17px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--cream);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

img, svg, video { max-width: 100%; display: block; }

a { color: var(--navy); text-decoration: none; transition: color .2s ease; }
a:hover { color: var(--brass-2); }

h1, h2, h3, h4 {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-weight: 700;
  letter-spacing: -0.015em;
  line-height: 1.15;
  color: var(--ink);
}

h1 { font-size: clamp(2.2rem, 5.2vw, 4rem); }
h2 { font-size: clamp(1.8rem, 3.6vw, 2.9rem); }
h3 { font-size: clamp(1.25rem, 2.2vw, 1.6rem); }

p { font-size: 1.0625rem; }

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

/* ────────────── NAV ────────────── */
.nav {
  position: fixed; inset: 0 0 auto 0; z-index: 50;
  padding: 14px 0;
  background: linear-gradient(180deg, rgba(10,22,40,0.85), rgba(10,22,40,0.6) 70%, transparent);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
  transition: background .3s ease, padding .3s ease;
}
.nav.scrolled {
  background: rgba(10, 22, 40, 0.97);
  padding: 10px 0;
  border-bottom: 1px solid var(--line);
}
.nav .container { display: flex; align-items: center; justify-content: space-between; gap: 16px; }
.nav .brand {
  display: flex; align-items: center; gap: 12px;
  color: var(--cream); font-family: 'Playfair Display', serif; font-weight: 700;
  font-size: 1.1rem; letter-spacing: 0.01em;
}
.nav .brand svg { width: 36px; height: 36px; }
.nav .brand .wordmark { display: flex; flex-direction: column; line-height: 1; }
.nav .brand .wordmark .sub {
  font-family: 'Inter', sans-serif; font-size: 0.62rem; letter-spacing: 0.18em;
  font-weight: 500; text-transform: uppercase; color: var(--brass-3); margin-top: 3px;
}
.nav-right { display: flex; align-items: center; gap: 18px; }
.nav .lang-toggle {
  display: inline-flex; align-items: center; gap: 4px;
  border: 1px solid var(--line); border-radius: var(--radius);
  padding: 6px 10px; font-size: 0.78rem; font-weight: 600;
  letter-spacing: 0.1em; text-transform: uppercase;
  background: transparent; color: var(--cream); cursor: pointer;
}
.nav .lang-toggle a {
  color: var(--cream); opacity: 0.55; padding: 0 3px; transition: opacity .2s;
}
.nav .lang-toggle a.active { color: var(--brass); opacity: 1; }
.nav .lang-toggle a:hover { opacity: 1; }
.nav .lang-toggle .divider { opacity: 0.3; }
.nav .cta-mini {
  display: none;
  padding: 9px 18px; border: 1px solid var(--brass); color: var(--brass);
  font-weight: 600; font-size: 0.82rem; letter-spacing: 0.06em; text-transform: uppercase;
}
.nav .cta-mini:hover { background: var(--brass); color: var(--navy); }
@media (min-width: 720px) { .nav .cta-mini { display: inline-flex; } }

/* ────────────── BUTTONS ────────────── */
.btn {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 16px 28px; font-family: 'Inter', sans-serif;
  font-size: 0.95rem; font-weight: 600; letter-spacing: 0.04em;
  text-transform: uppercase; border-radius: var(--radius);
  cursor: pointer; border: 1px solid transparent; transition: all .2s ease;
  text-align: center; line-height: 1;
}
.btn-primary {
  background: var(--brass); color: var(--navy);
  border-color: var(--brass);
  box-shadow: 0 8px 24px -8px rgba(201, 168, 106, 0.55);
}
.btn-primary:hover {
  background: var(--brass-3); color: var(--navy);
  transform: translateY(-1px);
  box-shadow: 0 12px 32px -8px rgba(201, 168, 106, 0.7);
}
.btn-primary:active { transform: translateY(0); }
.btn-ghost {
  background: transparent; color: var(--cream);
  border-color: var(--cream);
}
.btn-ghost:hover { background: var(--cream); color: var(--navy); }
.btn-dark {
  background: var(--navy); color: var(--cream); border-color: var(--navy);
}
.btn-dark:hover { background: var(--navy-3); color: var(--brass-3); }
.btn .arrow { transition: transform .2s ease; }
.btn:hover .arrow { transform: translateX(4px); }

/* ────────────── HERO ────────────── */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex; align-items: center;
  padding: 140px 0 80px;
  overflow: hidden;
  color: var(--cream);
  background: var(--navy);
}
.hero-video, .hero-poster {
  position: absolute; inset: 0; width: 100%; height: 100%;
  object-fit: cover; z-index: 1;
}
.hero-poster {
  background: radial-gradient(ellipse at 30% 40%, #1B2C4A 0%, #0A1628 70%);
  z-index: 0;
}
.hero::after {
  content: '';
  position: absolute; inset: 0;
  background:
    linear-gradient(180deg, rgba(10,22,40,0.55) 0%, rgba(10,22,40,0.72) 50%, rgba(10,22,40,0.92) 100%),
    linear-gradient(90deg, rgba(10,22,40,0.6) 0%, rgba(10,22,40,0.2) 60%);
  z-index: 2;
}
.hero .container { position: relative; z-index: 3; }
.hero-inner { max-width: 820px; }
.hero .eyebrow {
  display: inline-block;
  font-size: 0.78rem; font-weight: 600; letter-spacing: 0.22em;
  text-transform: uppercase; color: var(--brass);
  padding: 8px 14px; border: 1px solid var(--line);
  margin-bottom: 22px;
}
.hero h1 {
  color: var(--cream);
  margin-bottom: 20px;
}
.hero h1 .brass { color: var(--brass-3); font-style: italic; }
.hero .sub {
  font-size: clamp(1.05rem, 1.6vw, 1.25rem);
  color: #D8D2C2;
  max-width: 680px; margin-bottom: 36px; line-height: 1.55;
}
.hero-ctas { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 48px; }
.trust-row {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(170px, 1fr));
  gap: 18px 28px; padding-top: 28px;
  border-top: 1px solid rgba(201, 168, 106, 0.2);
}
.trust-row .trust {
  display: flex; align-items: center; gap: 10px;
  font-size: 0.82rem; letter-spacing: 0.06em; color: #D8D2C2;
  font-weight: 500;
}
.trust-row .trust svg { flex-shrink: 0; color: var(--brass); }

/* ────────────── SECTIONS ────────────── */
section { padding: 100px 0; position: relative; }
.section-head { max-width: 760px; margin: 0 0 56px; }
.section-head .eyebrow {
  display: inline-block;
  font-size: 0.76rem; font-weight: 600; letter-spacing: 0.22em;
  text-transform: uppercase; color: var(--brass-2);
  margin-bottom: 18px;
}
.section-head h2 { margin-bottom: 14px; }
.section-head .lede { font-size: 1.1rem; color: var(--ink-2); max-width: 620px; }

.section-navy {
  background: var(--navy);
  color: var(--cream);
  position: relative;
  overflow: hidden;
}
.section-navy::before {
  content:'';
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse at 85% 15%, rgba(201,168,106,0.12) 0%, transparent 50%),
    radial-gradient(ellipse at 15% 85%, rgba(201,168,106,0.06) 0%, transparent 50%);
  pointer-events: none;
}
.section-navy .container { position: relative; z-index: 2; }
.section-navy h1, .section-navy h2, .section-navy h3 { color: var(--cream); }
.section-navy .section-head .eyebrow { color: var(--brass); }
.section-navy .section-head .lede { color: #D8D2C2; }

.section-cream { background: var(--cream); }
.section-cream-2 { background: var(--cream-2); }

/* Section visual backgrounds */
.section-bg-pattern {
  background-color: var(--cream);
  background-image:
    radial-gradient(circle at 25% 20%, rgba(10, 22, 40, 0.04) 0, transparent 40%),
    radial-gradient(circle at 85% 80%, rgba(201, 168, 106, 0.08) 0, transparent 40%);
}

/* ────────────── 3-COL (Why Lenders Choose) ────────────── */
.three-col {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 32px;
}
.three-col .card {
  padding: 40px 32px;
  background: var(--cream);
  border: 1px solid var(--line-dark);
  border-top: 3px solid var(--brass);
  position: relative;
  transition: transform .3s ease, box-shadow .3s ease;
}
.three-col .card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}
.three-col .card .num {
  font-family: 'Playfair Display', serif;
  font-size: 2.2rem; color: var(--brass); font-weight: 700; font-style: italic;
  line-height: 1; margin-bottom: 14px;
}
.three-col .card h3 { margin-bottom: 12px; font-size: 1.35rem; }
.three-col .card p { color: var(--ink-2); font-size: 0.98rem; }

.section-navy .three-col .card {
  background: var(--navy-2);
  border-color: var(--line);
  color: #D8D2C2;
}
.section-navy .three-col .card p { color: #C5BFAD; }

/* ────────────── STAT GRID (6 tiles) ────────────── */
.stat-grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 2px;
  background: var(--line);
  border: 1px solid var(--line);
}
@media (max-width: 820px) { .stat-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 480px) { .stat-grid { grid-template-columns: 1fr; } }
.section-navy .stat-grid { background: rgba(201,168,106,0.2); border-color: rgba(201,168,106,0.25); }

.stat-tile {
  padding: 40px 32px;
  background: var(--navy);
  display: flex; flex-direction: column; gap: 10px;
  text-align: left;
}
.section-cream .stat-tile, .section-cream-2 .stat-tile { background: var(--cream); }
.stat-tile .label {
  font-size: 0.76rem; letter-spacing: 0.2em; text-transform: uppercase;
  color: var(--brass); font-weight: 600;
}
.stat-tile .value {
  font-family: 'Playfair Display', serif; font-weight: 700;
  font-size: clamp(2rem, 3.4vw, 2.8rem); line-height: 1;
  color: var(--cream);
}
.section-cream .stat-tile .value, .section-cream-2 .stat-tile .value { color: var(--navy); }
.stat-tile .foot { font-size: 0.85rem; color: #9AA5B8; }
.section-cream .stat-tile .foot, .section-cream-2 .stat-tile .foot { color: var(--muted); }

.stat-note {
  margin-top: 28px;
  padding: 24px 28px;
  background: rgba(201, 168, 106, 0.08);
  border-left: 3px solid var(--brass);
  font-size: 1rem; line-height: 1.65;
}
.section-navy .stat-note { color: #D8D2C2; }

/* ────────────── CHECKLIST ────────────── */
.checklist {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 16px 40px;
  max-width: 900px;
}
.checklist li {
  display: flex; align-items: flex-start; gap: 14px;
  padding: 16px 0; list-style: none;
  border-bottom: 1px solid var(--line-dark);
  font-size: 1.02rem; color: var(--ink-2);
}
.checklist li .check {
  flex-shrink: 0; width: 26px; height: 26px;
  border: 1.5px solid var(--brass); border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--brass); margin-top: 2px;
}
.checklist li .check svg { width: 14px; height: 14px; }
.checklist-note {
  margin-top: 36px;
  font-family: 'Playfair Display', serif; font-style: italic;
  font-size: 1.4rem; color: var(--brass-2);
  letter-spacing: -0.01em;
}

/* ────────────── WHO THIS IS FOR ────────────── */
.who-list { max-width: 820px; margin-top: 20px; }
.who-list li {
  display: flex; align-items: flex-start; gap: 18px;
  padding: 22px 0; list-style: none;
  border-bottom: 1px solid rgba(201, 168, 106, 0.2);
  font-size: 1.08rem; line-height: 1.55; color: #D8D2C2;
}
.who-list li::before {
  content: '—'; color: var(--brass); font-weight: 700;
  flex-shrink: 0; padding-top: 2px;
}
.who-closer {
  margin-top: 40px;
  font-family: 'Playfair Display', serif; font-style: italic;
  font-size: 1.6rem; color: var(--brass-3);
}

/* ────────────── HOW IT WORKS ────────────── */
.steps {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr));
  gap: 28px;
  counter-reset: step;
}
.step {
  position: relative; padding: 32px 26px 28px;
  background: var(--cream);
  border: 1px solid var(--line-dark);
}
.step::before {
  counter-increment: step; content: "0" counter(step);
  position: absolute; top: 16px; right: 22px;
  font-family: 'Playfair Display', serif; font-style: italic;
  font-size: 2.4rem; color: rgba(201, 168, 106, 0.5); font-weight: 700; line-height: 1;
}
.step h3 { font-size: 1.1rem; margin-bottom: 8px; max-width: 86%; }
.step p { font-size: 0.95rem; color: var(--ink-2); }

/* ────────────── FORM ────────────── */
.form-section {
  background: var(--navy);
  color: var(--cream);
  position: relative;
}
.form-section::before {
  content:''; position: absolute; inset: 0;
  background:
    radial-gradient(ellipse at 80% 20%, rgba(201,168,106,0.15) 0%, transparent 55%),
    radial-gradient(ellipse at 10% 90%, rgba(201,168,106,0.05) 0%, transparent 50%);
  pointer-events: none;
}
.form-section .container { position: relative; z-index: 2; }
.form-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 80px;
  align-items: flex-start;
}
@media (max-width: 900px) { .form-grid { grid-template-columns: 1fr; gap: 48px; } }

.form-copy .eyebrow {
  color: var(--brass); font-size: 0.78rem; letter-spacing: 0.22em;
  text-transform: uppercase; font-weight: 600; margin-bottom: 18px;
  display: inline-block;
}
.form-copy h2 { margin-bottom: 20px; }
.form-copy p { color: #D8D2C2; font-size: 1.05rem; line-height: 1.65; margin-bottom: 16px; }
.form-copy .stack-badge {
  display: inline-block; margin-top: 18px; padding: 10px 16px;
  background: rgba(201, 168, 106, 0.12); border: 1px solid rgba(201, 168, 106, 0.3);
  font-size: 0.85rem; letter-spacing: 0.1em; color: var(--brass-3);
}

.form-card {
  background: var(--cream);
  padding: 40px 36px;
  border-top: 3px solid var(--brass);
  box-shadow: var(--shadow-lg);
  color: var(--ink);
}
.form-card h3 { font-size: 1.4rem; margin-bottom: 22px; color: var(--navy); }
.field { margin-bottom: 18px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.field label {
  display: block; font-size: 0.8rem; font-weight: 600;
  text-transform: uppercase; letter-spacing: 0.1em;
  color: var(--ink-2); margin-bottom: 6px;
}
.field label .req { color: var(--danger); }
.field input, .field select {
  width: 100%; padding: 13px 14px;
  font-family: 'Inter', sans-serif; font-size: 0.98rem;
  border: 1px solid var(--line-dark); border-radius: var(--radius);
  background: #fff; color: var(--ink);
  transition: border-color .2s, box-shadow .2s;
}
.field select { appearance: none; -webkit-appearance: none;
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'><path fill='%230A1628' d='M6 8L0 0h12z'/></svg>");
  background-repeat: no-repeat; background-position: right 14px center;
  padding-right: 38px;
}
.field input:focus, .field select:focus {
  outline: none; border-color: var(--brass);
  box-shadow: 0 0 0 3px rgba(201, 168, 106, 0.15);
}
.field.invalid input, .field.invalid select { border-color: var(--danger); }
.field .error-msg {
  display: none; color: var(--danger); font-size: 0.82rem; margin-top: 6px;
}
.field.invalid .error-msg { display: block; }

.consent {
  display: flex; align-items: flex-start; gap: 12px;
  margin: 18px 0 22px;
  font-size: 0.86rem; color: var(--ink-2); line-height: 1.5;
}
.consent input[type="checkbox"] {
  flex-shrink: 0; width: 18px; height: 18px; margin-top: 2px;
  accent-color: var(--brass);
}
.consent a { color: var(--navy); text-decoration: underline; }

.honeypot {
  position: absolute; left: -9999px; opacity: 0; pointer-events: none;
  height: 0; width: 0;
}
.form-error-banner {
  display: none; margin-bottom: 16px;
  padding: 12px 14px;
  background: rgba(184, 66, 66, 0.08); border-left: 3px solid var(--danger);
  color: var(--danger); font-size: 0.9rem;
}
.form-error-banner.show { display: block; }
.form-submit { width: 100%; justify-content: center; }
.form-submit:disabled { opacity: 0.7; cursor: wait; }
.form-microcopy {
  margin-top: 16px; font-size: 0.78rem; color: var(--muted); line-height: 1.5;
}

/* ────────────── CREDIBILITY BAND ────────────── */
.credband {
  background: var(--cream-2);
  padding: 60px 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.credband .container {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 28px 48px; text-align: center;
}
.credband .item { padding: 0 8px; }
.credband .item .big {
  font-family: 'Playfair Display', serif; font-weight: 700; font-style: italic;
  color: var(--brass-2); font-size: 2rem; line-height: 1; margin-bottom: 6px;
}
.credband .item .lab {
  font-size: 0.82rem; letter-spacing: 0.12em;
  text-transform: uppercase; color: var(--ink-2); font-weight: 500;
}

/* ────────────── FAQ ────────────── */
.faq-list { max-width: 860px; }
.faq {
  border-bottom: 1px solid var(--line-dark);
}
.faq summary {
  display: flex; align-items: flex-start; justify-content: space-between;
  gap: 24px; padding: 24px 0;
  font-family: 'Playfair Display', serif; font-weight: 700;
  font-size: 1.2rem; color: var(--navy);
  cursor: pointer; list-style: none; line-height: 1.35;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: '+'; flex-shrink: 0;
  font-family: 'Inter', sans-serif; font-weight: 300;
  font-size: 1.8rem; color: var(--brass);
  line-height: 1; transition: transform .3s ease;
  margin-top: -2px;
}
.faq[open] summary::after { transform: rotate(45deg); }
.faq-body {
  padding: 0 0 24px;
  color: var(--ink-2); font-size: 1.02rem; line-height: 1.7;
  max-width: 780px;
}

/* ────────────── FINAL CTA ────────────── */
.final-cta {
  background: var(--navy);
  color: var(--cream);
  padding: 100px 0;
  text-align: center;
  position: relative; overflow: hidden;
}
.final-cta::before {
  content:''; position: absolute; inset: 0;
  background:
    radial-gradient(ellipse at center, rgba(201,168,106,0.15) 0%, transparent 70%);
}
.final-cta .container { position: relative; z-index: 2; max-width: 780px; }
.final-cta h2 { color: var(--cream); margin-bottom: 18px; }
.final-cta p { color: #D8D2C2; font-size: 1.1rem; margin-bottom: 32px; }

/* ────────────── FOOTER ────────────── */
.site-foot {
  background: #050E1C;
  color: #9AA5B8;
  padding: 64px 0 32px;
  border-top: 1px solid var(--line);
}
.site-foot .container { display: grid; gap: 40px; grid-template-columns: 1.2fr 1fr 1fr; }
@media (max-width: 720px) { .site-foot .container { grid-template-columns: 1fr; } }
.site-foot .brand-block { max-width: 380px; }
.site-foot .brand-block .brand { display: flex; align-items: center; gap: 12px; margin-bottom: 18px; }
.site-foot .brand-block .brand svg { width: 40px; height: 40px; }
.site-foot .brand-block .brand .name {
  font-family: 'Playfair Display', serif; font-weight: 700;
  color: var(--cream); font-size: 1.2rem;
}
.site-foot .brand-block p { font-size: 0.92rem; line-height: 1.6; margin-bottom: 12px; }
.site-foot h4 {
  font-family: 'Inter', sans-serif; font-size: 0.8rem; font-weight: 600;
  letter-spacing: 0.2em; text-transform: uppercase; color: var(--brass);
  margin-bottom: 18px;
}
.site-foot ul { list-style: none; }
.site-foot ul li { padding: 5px 0; }
.site-foot a { color: #B8C0D0; font-size: 0.92rem; }
.site-foot a:hover { color: var(--brass-3); }
.site-foot .phone {
  color: var(--cream); font-weight: 600; font-size: 1.05rem;
  font-variant-numeric: tabular-nums; display: inline-block; margin-top: 4px;
}
.site-foot .strategic {
  margin-top: 18px; padding: 10px 14px;
  border: 1px solid rgba(201,168,106,0.3); color: var(--brass-3);
  font-size: 0.78rem; letter-spacing: 0.16em; text-transform: uppercase;
  display: inline-block;
}
.site-foot-bottom {
  margin-top: 48px; padding-top: 24px;
  border-top: 1px solid rgba(201, 168, 106, 0.15);
  display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap;
  font-size: 0.82rem; color: #6B7588;
}

/* ────────────── MOBILE STICKY CTA ────────────── */
.sticky-cta {
  display: none;
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 60;
  padding: 10px 14px;
  background: rgba(10, 22, 40, 0.97); backdrop-filter: blur(8px);
  border-top: 1px solid var(--line);
  box-shadow: 0 -8px 24px -8px rgba(0,0,0,0.4);
}
.sticky-cta .btn { width: 100%; justify-content: center; padding: 14px; }
@media (max-width: 720px) {
  .sticky-cta { display: flex; }
  body { padding-bottom: 72px; }
}

/* ────────────── UTILITIES ────────────── */
.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}
.strike { color: var(--brass-3); font-style: italic; }

/* AOS minimal fade/slide — in case library fails */
[data-aos] { opacity: 0; transform: translateY(20px); transition: opacity .8s ease, transform .8s ease; }
[data-aos].aos-animate, [data-aos="fade-up"].aos-animate { opacity: 1; transform: translateY(0); }
[data-aos="fade-in"] { transform: none; }
[data-aos="fade-in"].aos-animate { transform: none; }

/* Legal pages */
.legal {
  padding: 140px 0 80px;
  background: var(--cream);
  min-height: 80vh;
}
.legal .container { max-width: 780px; }
.legal h1 { margin-bottom: 8px; }
.legal .meta { color: var(--muted); font-size: 0.9rem; margin-bottom: 40px; }
.legal h2 { font-size: 1.5rem; margin: 36px 0 12px; }
.legal h3 { font-size: 1.15rem; margin: 24px 0 8px; }
.legal p, .legal li { margin-bottom: 12px; color: var(--ink-2); font-size: 1rem; }
.legal ul, .legal ol { padding-left: 24px; margin-bottom: 14px; }

/* Thank you page */
.thank-you { background: var(--navy); color: var(--cream); min-height: 100vh;
  display: flex; align-items: center; text-align: center; padding: 80px 20px; }
.thank-you h1 { color: var(--cream); margin-bottom: 18px; }
.thank-you p { color: #D8D2C2; margin-bottom: 28px; max-width: 520px; margin-left: auto; margin-right: auto; }

/* Responsive */
@media (max-width: 720px) {
  section { padding: 72px 0; }
  .hero { padding: 120px 0 60px; min-height: auto; }
  .hero-ctas .btn { width: 100%; justify-content: center; }
  .field-row { grid-template-columns: 1fr; gap: 0; }
  .form-card { padding: 28px 22px; }
  .credband { padding: 40px 0; }
  .three-col .card { padding: 32px 26px; }
  .stat-tile { padding: 32px 24px; }
  .faq summary { font-size: 1.05rem; padding: 20px 0; }
  .site-foot-bottom { flex-direction: column; align-items: flex-start; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
  }
  [data-aos] { opacity: 1 !important; transform: none !important; }
}