/* =====================================================
   PHILLY CASH OFFER — MAIN STYLESHEET
   Dark Navy | White | Orange Brand
   Mobile-First Responsive Design
   ===================================================== */

/* === RESET & BASE === */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;font-size:16px}
body{font-family:'Open Sans',sans-serif;color:#1a1a2e;background:#fff;line-height:1.6;overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{text-decoration:none;color:inherit;transition:all .25s ease}
ul{list-style:none}
button{cursor:pointer;border:none;background:none;font-family:inherit}

/* === VARIABLES === */
:root{
  --navy:#0d1b3e;
  --navy-dark:#080f24;
  --navy-mid:#1a2a5e;
  --orange:#f97316;
  --orange-dark:#ea6a07;
  --orange-light:#fff7ed;
  --white:#ffffff;
  --light:#f8fafc;
  --light-mid:#f1f5f9;
  --gray:#64748b;
  --gray-light:#e2e8f0;
  --green:#16a34a;
  --red:#dc2626;
  --text:#1e293b;
  --shadow-sm:0 1px 3px rgba(0,0,0,.1);
  --shadow-md:0 4px 12px rgba(0,0,0,.12);
  --shadow-lg:0 10px 30px rgba(0,0,0,.15);
  --shadow-xl:0 20px 50px rgba(0,0,0,.2);
  --radius:12px;
  --radius-sm:8px;
  --radius-lg:20px;
}

/* === TYPOGRAPHY === */
h1,h2,h3,h4,h5,h6{font-family:'Montserrat',sans-serif;font-weight:800;line-height:1.2;color:var(--navy)}
h1{font-size:clamp(2rem,5vw,3.2rem)}
h2{font-size:clamp(1.6rem,4vw,2.5rem)}
h3{font-size:clamp(1.1rem,2.5vw,1.4rem)}
p{line-height:1.7}
.orange{color:var(--orange)}

/* === CONTAINER === */
.container{max-width:1200px;margin:0 auto;padding:0 1.25rem}
.section-pad{padding:5rem 0}

/* === SECTION HEADERS === */
.section-header{text-align:center;margin-bottom:3.5rem}
.section-header.light h2,.section-header.light p,.section-header.light .section-label{color:var(--white)}
.section-header.light .section-label{background:rgba(255,255,255,.15);color:#fff}
.section-label{display:inline-block;background:var(--orange-light);color:var(--orange);font-weight:700;font-size:.8rem;text-transform:uppercase;letter-spacing:2px;padding:.4rem 1.2rem;border-radius:50px;margin-bottom:1rem}
.section-sub{font-size:1.1rem;color:var(--gray);max-width:700px;margin:1rem auto 0}
.section-header.light .section-sub{color:rgba(255,255,255,.8)}

/* === BUTTONS === */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.6rem;padding:.85rem 2rem;border-radius:var(--radius-sm);font-family:'Montserrat',sans-serif;font-weight:700;font-size:1rem;transition:all .25s ease;cursor:pointer;white-space:nowrap;border:2px solid transparent}
.btn-xl{padding:1.1rem 2.5rem;font-size:1.15rem}
.btn-lg{padding:1rem 2.25rem;font-size:1.05rem}
.btn-full{width:100%;justify-content:center}
.btn-orange{background:var(--orange);color:#fff;border-color:var(--orange);box-shadow:0 4px 15px rgba(249,115,22,.35)}
.btn-orange:hover{background:var(--orange-dark);border-color:var(--orange-dark);transform:translateY(-2px);box-shadow:0 6px 20px rgba(249,115,22,.45)}
.btn-outline-navy{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn-outline-navy:hover{background:var(--navy);color:#fff;transform:translateY(-2px)}
.btn-outline-white{background:transparent;color:#fff;border-color:rgba(255,255,255,.6)}
.btn-outline-white:hover{background:rgba(255,255,255,.1);border-color:#fff;transform:translateY(-2px)}
.btn-white-outline{background:transparent;color:#fff;border-color:rgba(255,255,255,.5)}
.btn-white-outline:hover{background:rgba(255,255,255,.1);border-color:#fff}
.btn-sms{background:#16a34a;color:#fff;border-color:#16a34a;box-shadow:0 4px 15px rgba(22,163,74,.3)}
.btn-sms:hover{background:#15803d;border-color:#15803d;transform:translateY(-2px)}

/* =====================================================
   HEADER
   ===================================================== */
.site-header{background:var(--navy);position:sticky;top:0;z-index:1000;box-shadow:0 2px 20px rgba(0,0,0,.3)}
.header-inner{display:flex;align-items:center;justify-content:space-between;padding-top:.75rem;padding-bottom:.75rem;gap:1rem}
.logo{display:flex;flex-direction:column;line-height:1.2}
.logo-main{font-family:'Montserrat',sans-serif;font-size:1.6rem;font-weight:900;color:#fff;letter-spacing:-0.5px}
.logo-sub{font-size:.65rem;color:rgba(255,255,255,.6);font-weight:500;text-transform:uppercase;letter-spacing:1px}
.header-right{display:flex;flex-direction:column;align-items:flex-end;gap:.4rem}
.header-trust{display:flex;gap:1.5rem;font-size:.8rem;color:rgba(255,255,255,.75)}
.header-trust span{display:flex;align-items:center;gap:.35rem}
.header-cta{display:flex;align-items:center;gap:1rem}
.phone-link{font-family:'Montserrat',sans-serif;font-size:1.3rem;font-weight:900;color:var(--orange);display:flex;align-items:center;gap:.5rem;white-space:nowrap}
.phone-link:hover{color:#fff}
.header-offer-btn{font-size:.85rem;padding:.55rem 1.25rem}
.nav-toggle{display:none;flex-direction:column;gap:5px;padding:.5rem}
.nav-toggle span{display:block;width:26px;height:2.5px;background:#fff;border-radius:4px;transition:all .3s ease}
.nav-toggle.active span:nth-child(1){transform:rotate(45deg) translate(5px,5px)}
.nav-toggle.active span:nth-child(2){opacity:0}
.nav-toggle.active span:nth-child(3){transform:rotate(-45deg) translate(5px,-5px)}
.main-nav{background:var(--navy-dark);border-top:1px solid rgba(255,255,255,.08)}
.main-nav ul{display:flex;gap:0;justify-content:center;flex-wrap:wrap}
.main-nav ul li a{display:block;padding:.7rem 1.1rem;color:rgba(255,255,255,.8);font-size:.85rem;font-weight:600;text-transform:uppercase;letter-spacing:.5px;transition:all .2s;font-family:'Montserrat',sans-serif}
.main-nav ul li a:hover{color:var(--orange)}

/* =====================================================
   HERO SECTION
   ===================================================== */
.hero-section{background:linear-gradient(135deg,var(--navy-dark) 0%,var(--navy) 50%,var(--navy-mid) 100%);position:relative;overflow:hidden;padding:4rem 0 0}
.hero-section::before{content:'';position:absolute;inset:0;background:url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.02'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");pointer-events:none}
.hero-inner{display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:center;position:relative;z-index:1}
.hero-content{color:#fff}
.hero-badge{display:inline-flex;align-items:center;gap:.5rem;background:rgba(249,115,22,.15);border:1px solid rgba(249,115,22,.4);color:var(--orange);font-size:.8rem;font-weight:700;text-transform:uppercase;letter-spacing:1.5px;padding:.45rem 1.1rem;border-radius:50px;margin-bottom:1.5rem}
.hero-content h1{color:#fff;font-size:clamp(1.8rem,4vw,3rem);margin-bottom:1.2rem;text-shadow:0 2px 10px rgba(0,0,0,.3)}
.hero-sub{font-size:1.15rem;color:rgba(255,255,255,.85);margin-bottom:2rem;line-height:1.8}
.hero-stats{display:flex;align-items:center;gap:1.5rem;flex-wrap:wrap}
.stat{text-align:center}
.stat strong{display:block;font-family:'Montserrat',sans-serif;font-size:2rem;font-weight:900;color:var(--orange)}
.stat span{display:block;font-size:.75rem;color:rgba(255,255,255,.7);text-transform:uppercase;letter-spacing:1px;font-weight:600}
.stat-divider{width:1px;height:50px;background:rgba(255,255,255,.2)}

/* HERO FORM */
.hero-form-wrap{background:#fff;border-radius:var(--radius-lg);padding:0;overflow:hidden;box-shadow:var(--shadow-xl);border:1px solid var(--gray-light)}
.countdown-bar{background:linear-gradient(90deg,var(--navy-dark),var(--navy-mid));color:#fff;padding:.75rem 1.5rem;display:flex;align-items:center;justify-content:center;gap:.75rem;font-size:.9rem;font-weight:600;text-align:center;flex-wrap:wrap}
.countdown-timer{font-family:'Montserrat',sans-serif;font-size:1.5rem;font-weight:900;color:var(--orange);letter-spacing:2px;min-width:90px;text-align:center}
.form-header{padding:1.5rem 2rem .5rem;text-align:center;border-bottom:1px solid var(--gray-light)}
.form-header h2{font-size:1.5rem;color:var(--navy);margin-bottom:.25rem}
.form-header p{color:var(--gray);font-size:.9rem}
.lead-form{padding:1.5rem 2rem 2rem}
.form-group{margin-bottom:1.1rem}
.form-group label{display:flex;align-items:center;gap:.5rem;font-weight:600;font-size:.85rem;color:var(--navy);margin-bottom:.4rem;font-family:'Montserrat',sans-serif}
.form-group label i{color:var(--orange);font-size:.8rem}
.form-group input{width:100%;padding:.75rem 1rem;border:2px solid var(--gray-light);border-radius:var(--radius-sm);font-size:1rem;font-family:'Open Sans',sans-serif;transition:border-color .2s,box-shadow .2s;background:#fff;color:var(--text)}
.form-group input:focus{outline:none;border-color:var(--orange);box-shadow:0 0 0 3px rgba(249,115,22,.15)}
.form-group input::placeholder{color:#94a3b8}
.form-group input.error{border-color:var(--red);box-shadow:0 0 0 3px rgba(220,38,38,.1)}
.form-group .error-msg{color:var(--red);font-size:.8rem;margin-top:.3rem;display:none}
.form-group.has-error .error-msg{display:block}
.form-disclaimer{text-align:center;font-size:.78rem;color:var(--gray);margin-top:.75rem;display:flex;align-items:center;justify-content:center;gap:.35rem}
.form-disclaimer i{color:var(--green)}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.lead-form-dark{background:var(--navy-dark);border-radius:var(--radius);padding:2rem}
.lead-form-dark .form-group label{color:rgba(255,255,255,.9)}
.lead-form-dark .form-disclaimer{color:rgba(255,255,255,.5)}

/* TRUST BADGES */
.trust-badges-bar{background:rgba(0,0,0,.35);border-top:1px solid rgba(255,255,255,.1);margin-top:2rem;padding:1rem 0}
.trust-badges-inner{display:flex;align-items:center;justify-content:center;gap:1rem 2rem;flex-wrap:wrap}
.trust-badge{display:flex;align-items:center;gap:.5rem;color:rgba(255,255,255,.85);font-size:.8rem;font-weight:600;font-family:'Montserrat',sans-serif;text-transform:uppercase;letter-spacing:.5px}

/* =====================================================
   SOCIAL PROOF BAR
   ===================================================== */
.social-proof-bar{background:linear-gradient(90deg,var(--navy) 0%,var(--navy-mid) 100%);padding:1.25rem 0;border-bottom:3px solid var(--orange)}
.stars-bar{display:flex;align-items:center;justify-content:center;gap:1rem;flex-wrap:wrap;text-align:center}
.stars{font-size:1.3rem;letter-spacing:2px}
.stars-text{color:rgba(255,255,255,.9);font-size:.95rem;font-weight:500}
.stars-text strong{color:#fff}

/* =====================================================
   PHONE CTA STRIP
   ===================================================== */
.phone-cta-strip{background:var(--navy-dark);padding:1.1rem 0;border-top:2px solid var(--orange);border-bottom:2px solid var(--orange)}
.phone-cta-inner{display:flex;align-items:center;justify-content:center;gap:1.5rem;flex-wrap:wrap;text-align:center}
.phone-cta-inner span{color:rgba(255,255,255,.8);font-size:.95rem;font-family:'Montserrat',sans-serif;font-weight:600}
.phone-cta-num{font-family:'Montserrat',sans-serif;font-size:2rem;font-weight:900;color:var(--orange);display:flex;align-items:center;gap:.5rem}
.phone-cta-num:hover{color:#fff}
.phone-cta-hours{font-size:.8rem;color:rgba(255,255,255,.55)}

/* =====================================================
   HOW IT WORKS
   ===================================================== */
.how-it-works{background:var(--light)}
.steps-grid{display:grid;grid-template-columns:1fr auto 1fr auto 1fr;gap:1rem;align-items:start;margin-bottom:3rem}
.step-card{background:#fff;border-radius:var(--radius);padding:2.5rem 2rem;text-align:center;box-shadow:var(--shadow-md);border:2px solid transparent;transition:all .3s ease;position:relative;overflow:hidden}
.step-card::before{content:'';position:absolute;top:0;left:0;right:0;height:4px;background:linear-gradient(90deg,var(--orange),var(--orange-dark))}
.step-card:hover{border-color:var(--orange);transform:translateY(-5px);box-shadow:var(--shadow-xl)}
.step-number{font-family:'Montserrat',sans-serif;font-size:3.5rem;font-weight:900;color:rgba(249,115,22,.12);line-height:1;margin-bottom:.5rem}
.step-icon{width:70px;height:70px;background:linear-gradient(135deg,var(--orange),var(--orange-dark));border-radius:50%;display:flex;align-items:center;justify-content:center;margin:0 auto 1.25rem;box-shadow:0 8px 20px rgba(249,115,22,.3)}
.step-icon i{font-size:1.8rem;color:#fff}
.step-card h3{margin-bottom:.75rem;color:var(--navy)}
.step-card p{color:var(--gray);font-size:.95rem}
.step-card p a{color:var(--orange);font-weight:700}
.step-arrow{display:flex;align-items:center;justify-content:center;color:var(--orange);font-size:1.5rem;padding-top:3rem}
.hiw-cta{display:flex;gap:1rem;justify-content:center;flex-wrap:wrap}

/* =====================================================
   COMPARISON TABLE
   ===================================================== */
.comparison-table-wrap{overflow-x:auto;border-radius:var(--radius);box-shadow:var(--shadow-lg)}
.comparison-table{width:100%;border-collapse:collapse;background:#fff}
.comparison-table thead th{padding:1.25rem 1.5rem;font-family:'Montserrat',sans-serif;font-weight:800;font-size:1rem}
.comp-feature{background:var(--light-mid);color:var(--navy);text-align:left;width:35%}
.comp-us{background:var(--navy);color:#fff;text-align:center;width:32.5%}
.comp-agent{background:var(--light-mid);color:var(--gray);text-align:center;width:32.5%}
.comp-logo-cell{display:flex;flex-direction:column;align-items:center;gap:.4rem}
.comp-logo-text{font-size:1.1rem;font-weight:900}
.comp-logo-text .orange{color:var(--orange)}
.comp-badge{display:inline-block;background:var(--orange);color:#fff;font-size:.7rem;font-weight:700;text-transform:uppercase;letter-spacing:1px;padding:.25rem .75rem;border-radius:50px}
.comparison-table tbody td{padding:1.1rem 1.5rem;border-bottom:1px solid var(--gray-light);font-size:.95rem}
.comparison-table tbody td:first-child{font-weight:600;color:var(--navy);background:var(--light)}
.comparison-table tbody .comp-us{background:rgba(13,27,62,.04);text-align:center;font-weight:600;color:var(--navy)}
.comparison-table tbody .comp-agent{text-align:center;color:var(--gray)}
.alt-row td{background-color:rgba(241,245,249,.7)!important}
.alt-row td.comp-us{background:rgba(13,27,62,.06)!important}
.check{color:var(--green);font-size:1.1rem;margin-right:.35rem}
.cross{color:var(--red);font-size:1.1rem;margin-right:.35rem}
.comp-cta{text-align:center;margin-top:2.5rem}

/* =====================================================
   SITUATIONS
   ===================================================== */
.situations-section{background:linear-gradient(135deg,var(--navy-dark),var(--navy))}
.situations-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.25rem;margin-bottom:3rem}
.situation-card{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);border-radius:var(--radius);padding:1.75rem 1.25rem;text-align:center;transition:all .3s ease;cursor:default}
.situation-card:hover{background:rgba(249,115,22,.12);border-color:var(--orange);transform:translateY(-4px);box-shadow:0 8px 25px rgba(249,115,22,.2)}
.situation-card i{font-size:2rem;color:var(--orange);margin-bottom:1rem;display:block}
.situation-card h3{color:#fff;font-size:1rem;margin-bottom:.5rem}
.situation-card p{color:rgba(255,255,255,.65);font-size:.85rem;line-height:1.5}
.situations-cta{text-align:center}
.situations-cta p{color:rgba(255,255,255,.8);font-size:1.1rem;margin-bottom:1.5rem}
.situations-cta p strong{color:#fff}
.situations-cta{display:flex;flex-direction:column;align-items:center;gap:1rem}
.situations-cta p{margin-bottom:0}
.situations-cta-buttons{display:flex;gap:1rem;flex-wrap:wrap;justify-content:center}

/* =====================================================
   BENEFITS
   ===================================================== */
.benefits-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:2rem}
.benefit-card{background:#fff;border-radius:var(--radius);padding:2.25rem 2rem;box-shadow:var(--shadow-md);border:1px solid var(--gray-light);transition:all .3s ease;position:relative;overflow:hidden}
.benefit-card::after{content:'';position:absolute;bottom:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--orange),var(--orange-dark));transform:scaleX(0);transition:transform .3s ease}
.benefit-card:hover::after{transform:scaleX(1)}
.benefit-card:hover{transform:translateY(-5px);box-shadow:var(--shadow-xl)}
.benefit-icon{width:65px;height:65px;background:linear-gradient(135deg,var(--orange-light),#fed7aa);border-radius:var(--radius-sm);display:flex;align-items:center;justify-content:center;margin-bottom:1.25rem}
.benefit-icon i{font-size:1.75rem;color:var(--orange)}
.benefit-card h3{margin-bottom:.75rem;color:var(--navy)}
.benefit-card p{color:var(--gray);font-size:.95rem}

/* =====================================================
   VIDEO SECTION
   ===================================================== */
.video-section{background:var(--navy)}
.video-section .section-header h2{color:#fff}
.video-section .section-sub{color:rgba(255,255,255,.7)}
.video-section .section-label{background:rgba(249,115,22,.2);color:var(--orange)}
.video-container{max-width:820px;margin:0 auto}
.video-wrapper{position:relative;border-radius:var(--radius-lg);overflow:hidden;box-shadow:0 20px 60px rgba(0,0,0,.5);cursor:pointer}
.video-thumbnail{width:100%;display:block;aspect-ratio:16/9;object-fit:cover}
.video-play-btn{position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);background:rgba(255,0,0,.88);color:#fff;border:none;border-radius:var(--radius);padding:1.25rem 2.5rem;font-family:'Montserrat',sans-serif;font-weight:800;font-size:1.2rem;display:flex;align-items:center;gap:.75rem;transition:all .3s;box-shadow:0 8px 30px rgba(0,0,0,.4);cursor:pointer}
.video-play-btn:hover{background:#cc0000;transform:translate(-50%,-50%) scale(1.05)}
.video-play-btn .fab{font-size:1.8rem}
.video-iframe-container{position:relative;padding-bottom:56.25%;height:0;overflow:hidden}
.video-iframe-container iframe{position:absolute;top:0;left:0;width:100%;height:100%}
.video-caption{color:rgba(255,255,255,.7);text-align:center;margin-top:1.25rem;font-style:italic;font-size:.95rem}

/* =====================================================
   TESTIMONIALS
   ===================================================== */
.testimonials-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.75rem}
.testimonial-card{background:#fff;border-radius:var(--radius);padding:2rem;box-shadow:var(--shadow-md);border:1px solid var(--gray-light);position:relative;overflow:hidden;transition:transform .3s ease,box-shadow .3s ease}
.testimonial-card::before{content:'"';position:absolute;top:.5rem;right:1.5rem;font-size:6rem;color:var(--orange);opacity:.08;font-family:Georgia,serif;line-height:1}
.testimonial-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-xl)}
.testimonial-stars{font-size:1.1rem;letter-spacing:2px;margin-bottom:1rem}
.testimonial-text{color:var(--gray);font-size:.95rem;line-height:1.8;margin-bottom:1.5rem;font-style:italic}
.testimonial-author{display:flex;align-items:center;gap:1rem}
.testimonial-avatar{width:50px;height:50px;border-radius:50%;background:linear-gradient(135deg,var(--navy),var(--navy-mid));color:#fff;display:flex;align-items:center;justify-content:center;font-family:'Montserrat',sans-serif;font-weight:800;font-size:.95rem;flex-shrink:0}
.testimonial-author>div{display:flex;flex-direction:column;gap:.15rem}
.testimonial-author strong{color:var(--navy);font-family:'Montserrat',sans-serif;font-size:.95rem}
.testimonial-author span{font-size:.8rem;color:var(--gray)}
.testimonial-situation{display:inline-block;background:var(--orange-light);color:var(--orange);font-size:.72rem;font-weight:700;padding:.2rem .6rem;border-radius:50px;text-transform:uppercase;letter-spacing:.5px}

/* =====================================================
   MID FORM SECTION
   ===================================================== */
.mid-form-section{background:linear-gradient(135deg,var(--navy-dark),var(--navy-mid))}
.mid-form-section .section-header{text-align:left}
.mid-form-section h2{color:#fff}
.mid-form-inner{display:grid;grid-template-columns:1fr 1fr;gap:4rem;align-items:start}
.mid-form-content{color:rgba(255,255,255,.85)}
.mid-form-content .section-label{margin-bottom:1rem}
.mid-form-content h2{color:#fff;font-size:clamp(1.6rem,3vw,2.2rem);margin-bottom:1rem}
.mid-form-content>p{margin-bottom:1.5rem;font-size:.95rem}
.mid-form-benefits{display:flex;flex-direction:column;gap:.6rem;margin-bottom:2rem}
.mid-form-benefits li{display:flex;align-items:center;gap:.75rem;font-size:.95rem;color:rgba(255,255,255,.85)}
.mid-form-benefits i{font-size:1rem;flex-shrink:0}
.phone-display{display:inline-flex;align-items:center;gap:.75rem;font-family:'Montserrat',sans-serif;font-size:2rem;font-weight:900;color:var(--orange)}
.phone-display:hover{color:#fff}
.mid-form-wrap{}

/* =====================================================
   FAQ
   ===================================================== */
.faq-grid{max-width:850px;margin:0 auto;display:flex;flex-direction:column;gap:.75rem}
.faq-item{background:#fff;border-radius:var(--radius-sm);border:1px solid var(--gray-light);overflow:hidden;transition:box-shadow .2s}
.faq-item.active{box-shadow:var(--shadow-md);border-color:var(--orange)}
.faq-question{width:100%;display:flex;justify-content:space-between;align-items:center;padding:1.25rem 1.5rem;background:none;border:none;cursor:pointer;text-align:left;font-family:'Montserrat',sans-serif;font-size:1rem;font-weight:700;color:var(--navy);gap:1rem;transition:background .2s}
.faq-question:hover{background:var(--light)}
.faq-question[aria-expanded="true"]{background:var(--navy);color:#fff}
.faq-question[aria-expanded="true"] .faq-icon{color:var(--orange);transform:rotate(180deg)}
.faq-icon{font-size:.85rem;flex-shrink:0;transition:transform .3s ease;color:var(--orange)}
.faq-answer{display:none;padding:0 1.5rem 1.5rem;color:var(--gray);line-height:1.8;font-size:.95rem}
.faq-answer.open{display:block;animation:fadeInDown .3s ease}
.faq-answer p strong{color:var(--navy)}
@keyframes fadeInDown{from{opacity:0;transform:translateY(-8px)}to{opacity:1;transform:translateY(0)}}

/* =====================================================
   AREAS
   ===================================================== */
.areas-section{background:linear-gradient(135deg,var(--navy-dark),var(--navy))}
.areas-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.25rem}
.area-card{display:flex;flex-direction:column;align-items:center;gap:.6rem;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:var(--radius);padding:1.75rem 1.25rem;text-align:center;color:#fff;transition:all .3s ease}
.area-card:hover{background:rgba(249,115,22,.15);border-color:var(--orange);transform:translateY(-5px);box-shadow:0 10px 30px rgba(249,115,22,.2)}
.area-card i{font-size:1.75rem;color:var(--orange)}
.area-card h3{font-size:1rem;color:#fff;margin:0}
.area-card p{font-size:.78rem;color:rgba(255,255,255,.55);margin:0}

/* =====================================================
   BOTTOM FORM
   ===================================================== */
.bottom-form-wrap{max-width:900px;margin:0 auto}
.bottom-form-wrap .lead-form{background:#fff;border-radius:var(--radius);padding:2.5rem;box-shadow:var(--shadow-lg);border:2px solid var(--gray-light);margin-bottom:2.5rem}
.phone-cta-box{text-align:center;padding:2.5rem;background:var(--navy);border-radius:var(--radius);color:#fff}
.phone-cta-label{font-family:'Montserrat',sans-serif;font-weight:700;font-size:1.1rem;color:rgba(255,255,255,.8);margin-bottom:.5rem}
.phone-hero-display{font-family:'Montserrat',sans-serif;font-size:3rem;font-weight:900;color:var(--orange);display:flex;align-items:center;justify-content:center;gap.75rem;gap:.75rem;margin-bottom:.5rem;line-height:1.1}
.phone-hero-display:hover{color:#fff}
.phone-available{font-size:.85rem;color:rgba(255,255,255,.6);margin-bottom:1.5rem}

/* =====================================================
   FOOTER
   ===================================================== */
.site-footer{background:var(--navy-dark);color:rgba(255,255,255,.8);padding:4rem 0 0}
.footer-inner{display:grid;grid-template-columns:2fr 1fr 1.5fr 1.5fr;gap:3rem;padding-bottom:3rem}
.footer-logo{font-family:'Montserrat',sans-serif;font-size:1.8rem;font-weight:900;color:#fff;margin-bottom:1rem}
.footer-brand p{font-size:.9rem;line-height:1.8;color:rgba(255,255,255,.6);margin-bottom:1rem}
.footer-phone{display:flex;align-items:center;gap:.5rem;font-family:'Montserrat',sans-serif;font-size:1.4rem;font-weight:900;color:var(--orange);margin-bottom:.5rem}
.footer-phone:hover{color:#fff}
.footer-location{font-size:.85rem;color:rgba(255,255,255,.55)}
.site-footer h4{font-size:.9rem;text-transform:uppercase;letter-spacing:1.5px;color:#fff;margin-bottom:1.25rem;padding-bottom:.5rem;border-bottom:1px solid rgba(255,255,255,.1)}
.footer-nav li{margin-bottom:.5rem}
.footer-nav a{color:rgba(255,255,255,.6);font-size:.9rem;transition:color .2s}
.footer-nav a:hover{color:var(--orange)}
.footer-cta-col p{font-size:.9rem;color:rgba(255,255,255,.6);margin-bottom:1.25rem}
.footer-bottom{border-top:1px solid rgba(255,255,255,.08);padding:1.5rem 0}
.footer-bottom-inner{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:.75rem}
.footer-bottom p{font-size:.78rem;color:rgba(255,255,255,.4)}
.footer-bottom a{color:rgba(255,255,255,.4);transition:color .2s}
.footer-bottom a:hover{color:var(--orange)}

/* =====================================================
   NOTIFICATION POPUP
   ===================================================== */
.notification-popup{position:fixed;bottom:90px;left:1.5rem;background:#fff;border-radius:var(--radius-sm);box-shadow:0 5px 30px rgba(0,0,0,.15);padding:1rem 1.25rem;z-index:900;max-width:310px;border-left:4px solid var(--green);transform:translateX(-120%);transition:transform .5s cubic-bezier(.175,.885,.32,1.275);pointer-events:none}
.notification-popup.show{transform:translateX(0)}
.notification-inner{display:flex;align-items:center;gap:.75rem}
.notification-icon{font-size:1.5rem;flex-shrink:0}
.notification-text{font-size:.85rem;line-height:1.4}
.notification-text strong{color:var(--navy);display:block}
.notification-text span{color:var(--gray)}

/* =====================================================
   EXIT INTENT POPUP
   ===================================================== */
.exit-overlay{position:fixed;inset:0;background:rgba(8,15,36,.85);z-index:9999;display:flex;align-items:center;justify-content:center;padding:1.5rem;opacity:0;pointer-events:none;transition:opacity .3s ease}
.exit-overlay.show{opacity:1;pointer-events:all}
.exit-popup-box{background:#fff;border-radius:var(--radius-lg);padding:3rem 2.5rem;max-width:520px;width:100%;position:relative;text-align:center;box-shadow:0 30px 80px rgba(0,0,0,.4);animation:popIn .4s ease}
@keyframes popIn{from{transform:scale(.85);opacity:0}to{transform:scale(1);opacity:1}}
.exit-close{position:absolute;top:1rem;right:1.25rem;font-size:1.75rem;color:var(--gray);background:none;border:none;cursor:pointer;line-height:1;transition:color .2s}
.exit-close:hover{color:var(--navy)}
.exit-popup-badge{display:inline-block;background:var(--orange);color:#fff;font-size:.78rem;font-weight:700;text-transform:uppercase;letter-spacing:2px;padding:.4rem 1.25rem;border-radius:50px;margin-bottom:1.25rem}
.exit-popup-box h2{font-size:clamp(1.4rem,4vw,1.9rem);color:var(--navy);margin-bottom:.75rem;line-height:1.3}
.exit-popup-box p{color:var(--gray);margin-bottom:1.5rem;font-size:.95rem}
.exit-form{display:flex;flex-direction:column;gap:.85rem}
.exit-form input{padding:.85rem 1.1rem;border:2px solid var(--gray-light);border-radius:var(--radius-sm);font-size:1rem;font-family:'Open Sans',sans-serif;transition:border-color .2s}
.exit-form input:focus{outline:none;border-color:var(--orange)}
/* Email optional field wrapper */
.exit-email-wrap{position:relative;display:flex;flex-direction:column}
.exit-email-input{padding:.85rem 5.5rem .85rem 1.1rem!important;border:2px solid var(--gray-light);border-radius:var(--radius-sm);font-size:1rem;font-family:'Open Sans',sans-serif;transition:border-color .2s;width:100%;box-sizing:border-box}
.exit-email-input:focus{outline:none;border-color:var(--orange)}
.exit-optional-label{position:absolute;right:.85rem;top:50%;transform:translateY(-50%);font-size:.7rem;font-weight:700;color:var(--gray);background:#f0f0f0;padding:.18rem .55rem;border-radius:50px;letter-spacing:.03em;pointer-events:none;user-select:none;text-transform:uppercase}
.exit-email-wrap .has-error .exit-email-input,.exit-email-wrap.has-error .exit-email-input{border-color:#e53e3e}
.exit-email-wrap .error-msg{font-size:.78rem;color:#e53e3e;margin-top:.2rem;text-align:left;padding-left:.2rem}
.exit-privacy{font-size:.78rem;color:var(--gray);margin-top:.75rem;display:flex;align-items:center;justify-content:center;gap:.35rem}

/* =====================================================
   SUCCESS MODAL
   ===================================================== */
.success-overlay{position:fixed;inset:0;background:rgba(8,15,36,.85);z-index:9999;display:flex;align-items:center;justify-content:center;padding:1.5rem}
.success-modal-box{background:#fff;border-radius:var(--radius-lg);padding:3rem 2.5rem;max-width:500px;width:100%;text-align:center;box-shadow:0 30px 80px rgba(0,0,0,.4);animation:popIn .4s ease}
.success-icon{font-size:4rem;color:var(--green);margin-bottom:1rem}
.success-modal-box h2{color:var(--navy);margin-bottom:1rem;font-size:1.6rem}
.success-modal-box p{color:var(--gray);margin-bottom:.75rem}
.success-close{margin-top:1rem}

/* =====================================================
   MOBILE STICKY BAR
   ===================================================== */
.mobile-sticky-bar{display:none;position:fixed;bottom:0;left:0;right:0;z-index:999;background:var(--navy-dark);border-top:2px solid var(--orange)}
.sticky-call-btn,.sticky-offer-btn{flex:1;padding:1rem .5rem;font-family:'Montserrat',sans-serif;font-weight:800;font-size:.9rem;display:flex;align-items:center;justify-content:center;gap:.5rem;border:none;cursor:pointer;transition:all .2s}
.sticky-call-btn{background:#16a34a;color:#fff}
.sticky-call-btn:hover{background:#15803d}
.sticky-offer-btn{background:var(--orange);color:#fff;text-decoration:none}
.sticky-offer-btn:hover{background:var(--orange-dark)}

/* =====================================================
   UTILITY
   ===================================================== */
.bg-light{background:var(--light)}
.hide-mobile{display:inline}

/* =====================================================
   RESPONSIVE DESIGN
   ===================================================== */

/* Large tablet */
@media(max-width:1100px){
  .steps-grid{grid-template-columns:1fr;gap:2rem}
  .step-arrow{display:none}
  .benefits-grid{grid-template-columns:repeat(2,1fr)}
  .situations-grid{grid-template-columns:repeat(3,1fr)}
  .testimonials-grid{grid-template-columns:repeat(2,1fr)}
  .footer-inner{grid-template-columns:1fr 1fr}
}

/* Tablet */
@media(max-width:900px){
  .hero-inner{grid-template-columns:1fr}
  .hero-content{text-align:center}
  .hero-stats{justify-content:center}
  .mid-form-inner{grid-template-columns:1fr}
  .areas-grid{grid-template-columns:repeat(3,1fr)}
  .comp-feature{display:none}
  .comp-us,.comp-agent{width:50%}
  .comparison-table thead th{font-size:.85rem;padding:1rem}
  .comparison-table tbody td{padding:.85rem 1rem;font-size:.85rem}
}

/* Mobile */
@media(max-width:680px){
  .section-pad{padding:3.5rem 0}
  .header-inner{flex-wrap:wrap}
  .header-right{display:none}
  .nav-toggle{display:flex}
  .main-nav{max-height:0;overflow:hidden;transition:max-height .4s ease}
  .main-nav.open{max-height:500px}
  .main-nav ul{flex-direction:column;gap:0}
  .main-nav ul li a{padding:.9rem 1.5rem;border-bottom:1px solid rgba(255,255,255,.05);font-size:.9rem}
  .hero-section{padding:2.5rem 0 0}
  .hero-content h1{font-size:1.75rem}
  .hero-sub{font-size:1rem}
  .hero-stats{gap:1rem}
  .stat strong{font-size:1.5rem}
  .lead-form{padding:1.25rem}
  .form-header{padding:1.25rem 1.25rem .5rem}
  .situations-grid{grid-template-columns:repeat(2,1fr)}
  .benefits-grid{grid-template-columns:1fr}
  .testimonials-grid{grid-template-columns:1fr}
  .areas-grid{grid-template-columns:repeat(2,1fr)}
  .footer-inner{grid-template-columns:1fr}
  .footer-cta-col{display:none}
  .trust-badges-inner{gap:.75rem 1.25rem}
  .phone-cta-inner{flex-direction:column;gap:.75rem}
  .phone-cta-num{font-size:1.75rem}
  .hiw-cta{flex-direction:column;align-items:center}
  .mobile-sticky-bar{display:flex}
  body{padding-bottom:70px}
  .form-row{grid-template-columns:1fr}
  .phone-hero-display{font-size:2.2rem}
  .hide-mobile{display:none}
  .comparison-table{font-size:.8rem}
  .comp-feature{display:none}
  .header-trust{display:none}
  .footer-bottom-inner{flex-direction:column;text-align:center}
  .situations-cta{padding:0 1rem}
}

@media(max-width:400px){
  .situations-grid{grid-template-columns:1fr}
  .areas-grid{grid-template-columns:1fr 1fr}
  .trust-badges-inner{gap:.5rem 1rem}
  .trust-badge{font-size:.7rem}
}

/* =====================================================
   ANIMATIONS
   ===================================================== */
.fade-in{opacity:0;transform:translateY(30px);transition:opacity .6s ease,transform .6s ease}
.fade-in.visible{opacity:1;transform:translateY(0)}
.fade-in-delay-1{transition-delay:.1s}
.fade-in-delay-2{transition-delay:.2s}
.fade-in-delay-3{transition-delay:.3s}

/* Scroll to top button */
#scroll-top{position:fixed;bottom:90px;right:1.5rem;width:46px;height:46px;background:var(--orange);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:1.1rem;box-shadow:var(--shadow-md);opacity:0;pointer-events:none;transition:all .3s ease;z-index:900;border:none;cursor:pointer}
#scroll-top.show{opacity:1;pointer-events:all}
#scroll-top:hover{background:var(--orange-dark);transform:translateY(-2px)}

/* =====================================================
   CHECKLIST LEAD MAGNET SECTION
   ===================================================== */
.checklist-section{background:var(--light)}
.checklist-inner{display:grid;grid-template-columns:1fr 1fr;gap:4rem;align-items:start}
.checklist-content .section-label{margin-bottom:1rem}
.checklist-content h2{color:var(--navy);font-size:clamp(1.6rem,3vw,2.2rem);margin-bottom:1.25rem}
.checklist-intro{color:var(--gray);font-size:1rem;line-height:1.8;margin-bottom:1.5rem}
.checklist-list{display:flex;flex-direction:column;gap:.75rem;margin-bottom:1.5rem}
.checklist-list li{display:flex;align-items:flex-start;gap:.85rem;font-size:.98rem;color:var(--text);line-height:1.6}
.checklist-list li i{color:var(--orange);font-size:1.05rem;flex-shrink:0;margin-top:.15rem}
.checklist-goodwill{font-size:.95rem;color:var(--gray);text-align:center;padding:1rem 1.5rem;background:#fff;border-left:4px solid var(--orange);border-radius:0 var(--radius-sm) var(--radius-sm) 0;margin-top:.5rem}
.checklist-form-wrap{background:#fff;border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);border:2px solid var(--gray-light);overflow:hidden;position:sticky;top:100px}
.checklist-form-wrap .form-header{background:linear-gradient(135deg,var(--navy-dark),var(--navy));padding:1.75rem 2rem}
.checklist-form-wrap .form-header h2{color:#fff;font-size:1.15rem;line-height:1.4;margin:0}
.checklist-form-wrap .lead-form{padding:1.75rem 2rem 2rem}
@media(max-width:900px){
  .checklist-inner{grid-template-columns:1fr;gap:2.5rem}
  .checklist-form-wrap{position:static}
}
@media(max-width:600px){
  .checklist-goodwill{text-align:left}
}