/* ============================================================
   CAR FINANCE HELP — MAIN STYLESHEET
   Theme: Friendly Professional Help
   Colors: Green (trust) + Blue (calm) on off-white
   Font: DM Serif Display (headings) + Nunito (body)
   ============================================================ */

:root {
  --green-500: #2e9e5b;
  --green-600: #237a47;
  --green-100: #e8f7ef;
  --green-50: #f4fbf7;
  --blue-500: #3b7fd4;
  --blue-600: #2c66b8;
  --blue-100: #e3eefb;
  --off-white: #f9f8f5;
  --white: #ffffff;
  --charcoal: #1a1f2e;
  --gray-600: #4a5568;
  --gray-400: #9aa3b2;
  --gray-200: #e8ecf0;
  --gray-100: #f4f5f7;
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 22px;
  --radius-xl: 32px;
  --shadow-sm: 0 2px 8px rgba(0,0,0,0.07);
  --shadow-md: 0 8px 32px rgba(0,0,0,0.10);
  --shadow-lg: 0 20px 60px rgba(0,0,0,0.13);
  --font-display: 'DM Serif Display', Georgia, serif;
  --font-body: 'Nunito', 'Segoe UI', sans-serif;
  --transition: 0.22s ease;
}

/* ── Reset & Base ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-body);
  background: var(--off-white);
  color: var(--charcoal);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
a { color: var(--green-500); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--green-600); }
img { max-width: 100%; height: auto; display: block; }
button { font-family: var(--font-body); cursor: pointer; border: none; background: none; }

/* ── Container ── */
.container { max-width: 1160px; margin: 0 auto; padding: 0 1.5rem; }

/* ── Section Padding ── */
.section-pad { padding: 5rem 0; }
.bg-soft { background: var(--green-50); }

/* ── Honeypot ── */
.honeypot { position: absolute; left: -9999px; opacity: 0; height: 0; pointer-events: none; }

/* ── Buttons ── */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.4em;
  padding: 0.75rem 1.75rem;
  border-radius: var(--radius-md);
  font-family: var(--font-body);
  font-weight: 800;
  font-size: 1rem;
  transition: all var(--transition);
  cursor: pointer;
  text-decoration: none;
  border: 2.5px solid transparent;
  letter-spacing: 0.01em;
}
.btn-primary {
  background: var(--green-500);
  color: #fff;
  border-color: var(--green-500);
  box-shadow: 0 4px 18px rgba(46,158,91,0.30);
}
.btn-primary:hover { background: var(--green-600); border-color: var(--green-600); transform: translateY(-2px); box-shadow: 0 8px 28px rgba(46,158,91,0.38); color: #fff; }
.btn-outline { background: transparent; color: var(--green-500); border-color: var(--green-500); }
.btn-outline:hover { background: var(--green-500); color: #fff; }
.btn-ghost { background: transparent; color: var(--gray-600); border-color: var(--gray-200); }
.btn-ghost:hover { background: var(--gray-100); }
.btn-white { background: #fff; color: var(--green-600); border-color: #fff; box-shadow: var(--shadow-sm); }
.btn-white:hover { background: var(--green-50); color: var(--green-600); }
.btn-outline-white { background: transparent; color: #fff; border-color: rgba(255,255,255,0.6); }
.btn-outline-white:hover { background: rgba(255,255,255,0.15); }
.btn-nav { padding: 0.55rem 1.2rem; font-size: 0.9rem; }
.btn-lg { padding: 0.9rem 2.2rem; font-size: 1.08rem; }
.btn-full { width: 100%; }

/* ============================================================
   NAVIGATION
   ============================================================ */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(12px);
  border-bottom: 1.5px solid var(--gray-200);
  box-shadow: 0 2px 12px rgba(0,0,0,0.06);
}
.nav-inner {
  display: flex; align-items: center; justify-content: space-between;
  padding-top: 0.85rem; padding-bottom: 0.85rem;
  gap: 1rem;
}
.logo-link { display: flex; align-items: center; gap: 0.5rem; }
.logo-img { height: 44px; width: auto; }
.logo-text { font-family: var(--font-display); font-size: 1.5rem; color: var(--charcoal); }
.logo-dot { color: var(--green-500); }
.main-nav { display: flex; align-items: center; gap: 1.4rem; }
.nav-link { color: var(--gray-600); font-weight: 700; font-size: 0.95rem; padding: 0.25rem 0; border-bottom: 2px solid transparent; transition: all var(--transition); }
.nav-link:hover, .nav-link.active { color: var(--green-500); border-bottom-color: var(--green-500); }
.nav-phone { color: var(--charcoal); font-weight: 800; font-size: 0.9rem; white-space: nowrap; }
.nav-phone:hover { color: var(--green-500); }
.nav-hamburger { display: none; flex-direction: column; gap: 5px; padding: 6px; background: none; border: none; cursor: pointer; }
.nav-hamburger span { display: block; width: 26px; height: 2.5px; background: var(--charcoal); border-radius: 2px; transition: all var(--transition); }
.mobile-menu { display: none; background: #fff; border-top: 1px solid var(--gray-200); padding: 1rem 1.5rem; flex-direction: column; gap: 0.25rem; }
.mobile-link { padding: 0.7rem 0; color: var(--charcoal); font-weight: 700; border-bottom: 1px solid var(--gray-100); font-size: 1rem; }
.mobile-link:last-child { border-bottom: none; }
.cta-mobile { color: var(--green-500); }

@media (max-width: 768px) {
  .main-nav { display: none; }
  .nav-hamburger { display: flex; }
  .mobile-menu.open { display: flex; }
}

/* ============================================================
   HERO
   ============================================================ */
.hero {
  position: relative;
  overflow: hidden;
  padding: 4rem 0 5rem;
  background: linear-gradient(135deg, #f4fbf7 0%, #e8f7ef 50%, #e3eefb 100%);
}
.hero-bg-shapes { position: absolute; inset: 0; pointer-events: none; overflow: hidden; }
.shape {
  position: absolute; border-radius: 50%;
  opacity: 0.18;
  animation: float 8s ease-in-out infinite;
}
.shape-1 { width: 500px; height: 500px; background: var(--green-500); top: -150px; right: -100px; animation-delay: 0s; }
.shape-2 { width: 300px; height: 300px; background: var(--blue-500); bottom: -100px; left: -80px; animation-delay: 3s; }
.shape-3 { width: 200px; height: 200px; background: var(--green-500); top: 60%; left: 30%; animation-delay: 5s; }
@keyframes float { 0%,100% { transform: translateY(0) scale(1); } 50% { transform: translateY(-20px) scale(1.04); } }

.hero-inner {
  position: relative; z-index: 1;
  display: grid; grid-template-columns: 1fr 420px; gap: 3.5rem; align-items: start;
}
.hero-badge {
  display: inline-flex; align-items: center; gap: 0.4em;
  background: #fff; color: var(--green-600);
  border: 1.5px solid var(--green-100);
  border-radius: 999px; padding: 0.4rem 1rem;
  font-size: 0.85rem; font-weight: 800;
  box-shadow: var(--shadow-sm);
  margin-bottom: 1.2rem;
  animation: slideDown 0.5s ease;
}
.hero-title {
  font-family: var(--font-display);
  font-size: clamp(2.2rem, 4.5vw, 3.4rem);
  line-height: 1.15;
  color: var(--charcoal);
  margin-bottom: 1.1rem;
  animation: slideUp 0.55s ease;
}
.hero-title em { color: var(--green-500); font-style: italic; }
.hero-sub { font-size: 1.15rem; color: var(--gray-600); max-width: 520px; margin-bottom: 1.5rem; animation: slideUp 0.65s ease; }
.hero-checks { list-style: none; display: flex; flex-direction: column; gap: 0.4rem; margin-bottom: 2rem; animation: slideUp 0.75s ease; }
.hero-checks li { font-weight: 700; color: var(--charcoal); font-size: 0.95rem; }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 0.85rem; animation: slideUp 0.85s ease; }

@keyframes slideUp { from { opacity:0; transform:translateY(22px); } to { opacity:1; transform:none; } }
@keyframes slideDown { from { opacity:0; transform:translateY(-12px); } to { opacity:1; transform:none; } }

/* ── Short Form Card ── */
.short-form-card {
  background: #fff;
  border-radius: var(--radius-xl);
  padding: 2.2rem 2rem;
  box-shadow: var(--shadow-lg);
  border: 1.5px solid var(--gray-200);
  animation: slideUp 0.7s ease;
  position: relative;
  top: 0;
}
.form-card-header { margin-bottom: 1.4rem; border-bottom: 1.5px solid var(--gray-100); padding-bottom: 1rem; }
.form-card-title { font-family: var(--font-display); font-size: 1.55rem; color: var(--charcoal); }
.form-card-sub { font-size: 0.9rem; color: var(--gray-400); margin-top: 0.2rem; }

@media (max-width: 900px) {
  .hero-inner { grid-template-columns: 1fr; }
  .hero-content { text-align: center; }
  .hero-checks { align-items: center; }
  .hero-ctas { justify-content: center; }
  .hero-sub { margin-inline: auto; }
}

/* ============================================================
   FORMS — SHARED
   ============================================================ */
.form-group { margin-bottom: 1.1rem; display: flex; flex-direction: column; gap: 0.35rem; }
.form-group label { font-size: 0.9rem; font-weight: 800; color: var(--charcoal); }
.req { color: var(--green-500); }
.form-group input, .form-group select, .form-group textarea {
  padding: 0.8rem 1rem;
  border: 2px solid var(--gray-200);
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 1rem;
  color: var(--charcoal);
  background: #fff;
  transition: border-color var(--transition), box-shadow var(--transition);
  width: 100%;
}
.form-group input:focus, .form-group select:focus {
  outline: none;
  border-color: var(--green-500);
  box-shadow: 0 0 0 3px rgba(46,158,91,0.12);
}
.form-group input[readonly] { background: var(--gray-100); color: var(--gray-600); }
.form-row { display: grid; grid-template-columns: 1fr 120px; gap: 1rem; }
.field-error { font-size: 0.82rem; color: #e03e3e; font-weight: 700; min-height: 1em; }
.form-trust {
  display: flex; justify-content: center; gap: 1.2rem; flex-wrap: wrap;
  margin-top: 0.75rem;
  font-size: 0.8rem; color: var(--gray-400); font-weight: 700;
}
.form-msg { margin-top: 0.75rem; font-size: 0.9rem; font-weight: 700; padding: 0.75rem 1rem; border-radius: var(--radius-sm); display: none; }
.form-msg.success { background: var(--green-100); color: var(--green-600); display: block; }
.form-msg.error { background: #fdeaea; color: #c0392b; display: block; }

/* Consent checkbox */
.consent-group { margin: 1rem 0; }
.consent-label {
  display: flex; gap: 0.75rem; align-items: flex-start;
  font-size: 0.82rem; color: var(--gray-600); line-height: 1.5; cursor: pointer;
}
.consent-label input[type="checkbox"] { margin-top: 0.2rem; flex-shrink: 0; width: 18px; height: 18px; accent-color: var(--green-500); }
.consent-label a { color: var(--green-500); text-decoration: underline; }

/* ============================================================
   TRUST BAR
   ============================================================ */
.trust-bar {
  background: #fff;
  border-bottom: 1.5px solid var(--gray-200);
  padding: 1.4rem 0;
}
.trust-badges { display: flex; flex-wrap: wrap; justify-content: center; gap: 2rem; }
.trust-badge { display: flex; align-items: center; gap: 0.5rem; }
.badge-icon { font-size: 1.3rem; }
.badge-label { font-size: 0.88rem; font-weight: 800; color: var(--gray-600); }

/* ============================================================
   SECTION HEADERS
   ============================================================ */
.section-header { text-align: center; margin-bottom: 3rem; }
.section-tag {
  display: inline-block;
  background: var(--green-100); color: var(--green-600);
  font-size: 0.8rem; font-weight: 900; letter-spacing: 0.08em; text-transform: uppercase;
  padding: 0.3rem 0.9rem; border-radius: 999px;
  margin-bottom: 0.8rem;
}
.section-title { font-family: var(--font-display); font-size: clamp(1.7rem, 3.5vw, 2.6rem); color: var(--charcoal); margin-bottom: 0.75rem; }
.section-sub { font-size: 1.05rem; color: var(--gray-600); max-width: 560px; margin: 0 auto; }

/* ============================================================
   HOW IT WORKS
   ============================================================ */
.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2rem; }
.step-card {
  background: #fff; border-radius: var(--radius-lg); padding: 2rem 1.75rem;
  box-shadow: var(--shadow-sm); border: 1.5px solid var(--gray-200);
  text-align: center; position: relative; transition: transform var(--transition), box-shadow var(--transition);
}
.step-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.step-num { position: absolute; top: -1px; left: -1px; background: var(--green-500); color: #fff; font-size: 0.75rem; font-weight: 900; padding: 0.25rem 0.6rem; border-radius: var(--radius-lg) 0 var(--radius-sm) 0; }
.step-icon { font-size: 2.5rem; margin-bottom: 0.75rem; }
.step-card h3 { font-family: var(--font-display); font-size: 1.25rem; margin-bottom: 0.6rem; }
.step-card p { font-size: 0.92rem; color: var(--gray-600); }

@media (max-width: 700px) { .steps-grid { grid-template-columns: 1fr; } }

/* ============================================================
   CAN HELP
   ============================================================ */
.can-help-inner { display: grid; grid-template-columns: 1fr 380px; gap: 4rem; align-items: center; }
.help-list { list-style: none; display: flex; flex-direction: column; gap: 0.65rem; margin: 1.5rem 0; }
.help-list li { display: flex; align-items: center; gap: 0.75rem; font-size: 1rem; color: var(--charcoal); }
.help-check { width: 24px; height: 24px; background: var(--green-500); color: #fff; display: inline-flex; align-items: center; justify-content: center; border-radius: 50%; font-size: 0.75rem; font-weight: 900; flex-shrink: 0; }
.help-disclaimer { font-size: 0.8rem; color: var(--gray-400); margin-top: 1rem; font-style: italic; }
.help-img { width: 100%; border-radius: var(--radius-lg); }
.img-placeholder { width: 100%; aspect-ratio: 4/3; background: linear-gradient(135deg, var(--green-100), var(--blue-100)); border-radius: var(--radius-lg); display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 0.5rem; }
.img-placeholder span { font-size: 4rem; }
.img-placeholder p { font-weight: 700; color: var(--green-600); font-size: 0.9rem; }

@media (max-width: 900px) {
  .can-help-inner { grid-template-columns: 1fr; }
  .can-help-image { display: none; }
}

/* ============================================================
   CALLOUT BANNER
   ============================================================ */
.callout-banner {
  background: linear-gradient(135deg, var(--green-500) 0%, var(--green-600) 60%, var(--blue-500) 100%);
  padding: 3.5rem 0;
}
.callout-inner { display: flex; align-items: center; justify-content: space-between; gap: 2rem; flex-wrap: wrap; }
.callout-text h2 { font-family: var(--font-display); font-size: 2rem; color: #fff; }
.callout-text p { color: rgba(255,255,255,0.85); margin-top: 0.4rem; }
.callout-actions { display: flex; gap: 1rem; flex-wrap: wrap; }

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testimonial-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2rem; }
.testimonial-card {
  background: #fff; border-radius: var(--radius-lg); padding: 2rem;
  box-shadow: var(--shadow-sm); border: 1.5px solid var(--gray-200);
  transition: transform var(--transition), box-shadow var(--transition);
}
.testimonial-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.testimonial-stars { color: #f4b400; font-size: 1.1rem; margin-bottom: 0.8rem; letter-spacing: 2px; }
.testimonial-text { font-size: 0.95rem; color: var(--gray-600); font-style: italic; margin-bottom: 1.2rem; line-height: 1.7; }
.testimonial-author { display: flex; align-items: center; gap: 0.75rem; }
.author-avatar { width: 42px; height: 42px; background: var(--green-100); color: var(--green-600); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-weight: 900; font-size: 1.1rem; flex-shrink: 0; }
.testimonial-author strong { display: block; font-size: 0.9rem; color: var(--charcoal); }
.testimonial-author span { font-size: 0.8rem; color: var(--gray-400); }

@media (max-width: 900px) { .testimonial-grid { grid-template-columns: 1fr; } }

/* ============================================================
   FULL APPLICATION STEPPER
   ============================================================ */
.app-card {
  max-width: 660px; margin: 0 auto;
  background: #fff; border-radius: var(--radius-xl);
  padding: 2.5rem; box-shadow: var(--shadow-lg);
  border: 1.5px solid var(--gray-200);
}
.progress-wrap { margin-bottom: 2rem; }
.progress-label { display: flex; justify-content: space-between; font-size: 0.85rem; font-weight: 800; color: var(--gray-600); margin-bottom: 0.5rem; }
.progress-bar-track { background: var(--gray-200); border-radius: 999px; height: 8px; overflow: hidden; }
.progress-bar-fill { height: 100%; background: linear-gradient(90deg, var(--green-500), var(--blue-500)); border-radius: 999px; transition: width 0.5s ease; }

.app-step { display: none; animation: fadeSlide 0.3s ease; }
.app-step.active { display: block; }
@keyframes fadeSlide { from { opacity:0; transform:translateX(16px); } to { opacity:1; transform:none; } }
.step-heading { font-family: var(--font-display); font-size: 1.6rem; margin-bottom: 0.35rem; }
.step-sub { color: var(--gray-600); font-size: 0.92rem; margin-bottom: 1.5rem; }
.step-nav { display: flex; justify-content: space-between; align-items: center; margin-top: 1.5rem; gap: 1rem; }

/* Radio options (employment) */
.radio-group { display: flex; flex-direction: column; gap: 0.6rem; }
.radio-option {
  display: flex; align-items: center; gap: 0.75rem;
  border: 2px solid var(--gray-200); border-radius: var(--radius-sm);
  padding: 0.8rem 1rem; cursor: pointer; transition: all var(--transition);
  font-weight: 700; font-size: 0.97rem;
}
.radio-option:hover { border-color: var(--green-500); background: var(--green-50); }
.radio-option input[type="radio"] { accent-color: var(--green-500); width: 18px; height: 18px; }
.radio-option:has(input:checked) { border-color: var(--green-500); background: var(--green-50); color: var(--green-600); }

/* Review card */
.review-card {
  background: var(--gray-100); border-radius: var(--radius-md);
  padding: 1.25rem 1.5rem; margin-bottom: 1.25rem;
}
.review-row { display: flex; justify-content: space-between; gap: 1rem; padding: 0.45rem 0; border-bottom: 1px solid var(--gray-200); font-size: 0.92rem; }
.review-row:last-child { border-bottom: none; }
.review-row .rlabel { color: var(--gray-400); font-weight: 700; flex-shrink: 0; }
.review-row .rvalue { font-weight: 800; color: var(--charcoal); text-align: right; }

/* ============================================================
   FAQ
   ============================================================ */
.faq-list { max-width: 800px; margin: 0 auto; display: flex; flex-direction: column; gap: 0.75rem; }
.faq-item { background: #fff; border-radius: var(--radius-md); border: 1.5px solid var(--gray-200); overflow: hidden; transition: box-shadow var(--transition); }
.faq-item:has(.faq-q[aria-expanded="true"]) { box-shadow: var(--shadow-md); border-color: var(--green-100); }
.faq-q {
  width: 100%; display: flex; justify-content: space-between; align-items: center;
  gap: 1rem; padding: 1.1rem 1.4rem; text-align: left;
  font-family: var(--font-body); font-size: 0.98rem; font-weight: 800; color: var(--charcoal);
  cursor: pointer; background: none; border: none; transition: background var(--transition);
}
.faq-q:hover { background: var(--green-50); }
.faq-icon { font-size: 1.4rem; font-weight: 400; color: var(--green-500); flex-shrink: 0; transition: transform var(--transition); }
.faq-q[aria-expanded="true"] .faq-icon { transform: rotate(45deg); }
.faq-a { padding: 0 1.4rem 1.1rem; }
.faq-a p { font-size: 0.93rem; color: var(--gray-600); line-height: 1.7; }

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer { background: var(--charcoal); color: rgba(255,255,255,0.8); padding: 4rem 0 0; }
.footer-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 3rem; padding-bottom: 3rem; border-bottom: 1px solid rgba(255,255,255,0.1); }
.footer-brand .logo-text { color: #fff; }
.footer-logo { filter: brightness(0) invert(1); }
.footer-tagline { margin-top: 1rem; font-size: 0.92rem; color: rgba(255,255,255,0.65); max-width: 320px; line-height: 1.6; }
.footer-contact { margin-top: 0.75rem; font-size: 0.88rem; }
.footer-contact a { color: rgba(255,255,255,0.75); }
.footer-contact a:hover { color: #fff; }
.footer-links { display: flex; gap: 3rem; }
.footer-col { display: flex; flex-direction: column; gap: 0.5rem; }
.footer-col h4 { font-size: 0.8rem; text-transform: uppercase; letter-spacing: 0.1em; color: rgba(255,255,255,0.45); margin-bottom: 0.25rem; }
.footer-col a { font-size: 0.9rem; color: rgba(255,255,255,0.7); font-weight: 600; transition: color var(--transition); }
.footer-col a:hover { color: #fff; }
.footer-bottom { padding: 1.5rem 0 2rem; }
.disclaimer { font-size: 0.75rem; color: rgba(255,255,255,0.35); line-height: 1.7; text-align: center; }

@media (max-width: 700px) {
  .footer-inner { grid-template-columns: 1fr; }
  .footer-links { flex-wrap: wrap; gap: 2rem; }
}

/* ============================================================
   STICKY MOBILE BAR
   ============================================================ */
.mobile-sticky-bar {
  display: none;
  position: fixed; bottom: 0; left: 0; right: 0; z-index: 200;
  background: #fff; border-top: 2px solid var(--gray-200);
  padding: 0.6rem 1rem; gap: 0.75rem;
  box-shadow: 0 -4px 20px rgba(0,0,0,0.12);
}
.sticky-btn {
  flex: 1; display: flex; align-items: center; justify-content: center; gap: 0.4em;
  padding: 0.8rem; border-radius: var(--radius-md);
  font-weight: 900; font-size: 0.97rem; text-align: center; transition: all var(--transition);
}
.sticky-call { background: var(--blue-500); color: #fff; }
.sticky-call:hover { background: var(--blue-600); color: #fff; }
.sticky-apply { background: var(--green-500); color: #fff; }
.sticky-apply:hover { background: var(--green-600); color: #fff; }

@media (max-width: 768px) {
  .mobile-sticky-bar { display: flex; }
  body { padding-bottom: 76px; }
}

/* ============================================================
   FINANCING INFO PAGE SPECIFIC
   ============================================================ */
.info-hero { background: linear-gradient(135deg, var(--charcoal) 0%, #2c3e50 100%); color: #fff; padding: 4rem 0; text-align: center; }
.info-hero h1 { font-family: var(--font-display); font-size: clamp(1.9rem, 4vw, 3rem); margin-bottom: 0.75rem; }
.info-hero p { color: rgba(255,255,255,0.78); max-width: 600px; margin: 0 auto; font-size: 1.05rem; }
.info-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 2rem; margin-top: 2rem; }
.info-card { background: #fff; border-radius: var(--radius-lg); padding: 2rem; box-shadow: var(--shadow-sm); border: 1.5px solid var(--gray-200); }
.info-card h3 { font-family: var(--font-display); font-size: 1.3rem; margin-bottom: 0.75rem; color: var(--charcoal); }
.info-card p, .info-card li { font-size: 0.93rem; color: var(--gray-600); line-height: 1.7; }
.info-card ul { list-style: disc; padding-left: 1.25rem; margin-top: 0.5rem; display: flex; flex-direction: column; gap: 0.3rem; }
.prose-section { max-width: 820px; margin: 0 auto; }
.prose-section h2 { font-family: var(--font-display); font-size: 1.8rem; margin-bottom: 1rem; color: var(--charcoal); }
.prose-section p { font-size: 0.97rem; color: var(--gray-600); line-height: 1.75; margin-bottom: 1rem; }
.pros-cons-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; margin: 1.5rem 0; }
.pros-card { background: var(--green-50); border: 1.5px solid var(--green-100); border-radius: var(--radius-md); padding: 1.5rem; }
.cons-card { background: #fff5f5; border: 1.5px solid #fde8e8; border-radius: var(--radius-md); padding: 1.5rem; }
.pros-card h4, .cons-card h4 { font-family: var(--font-display); margin-bottom: 0.75rem; }
.pros-card h4 { color: var(--green-600); }
.cons-card h4 { color: #c0392b; }
.pros-card ul li, .cons-card ul li { font-size: 0.9rem; color: var(--gray-600); }

@media (max-width: 700px) {
  .info-grid { grid-template-columns: 1fr; }
  .pros-cons-grid { grid-template-columns: 1fr; }
}

/* ============================================================
   THANK YOU PAGE
   ============================================================ */
.thank-you-hero { min-height: 80vh; display: flex; align-items: center; justify-content: center; text-align: center; padding: 3rem 1.5rem; }
.thank-you-card { background: #fff; border-radius: var(--radius-xl); padding: 3rem 2.5rem; box-shadow: var(--shadow-lg); max-width: 560px; border: 1.5px solid var(--gray-200); }
.ty-icon { font-size: 4rem; margin-bottom: 1rem; }
.ty-title { font-family: var(--font-display); font-size: 2rem; margin-bottom: 0.75rem; color: var(--charcoal); }
.ty-sub { color: var(--gray-600); margin-bottom: 2rem; line-height: 1.7; }
.ty-steps { background: var(--green-50); border-radius: var(--radius-md); padding: 1.25rem 1.5rem; text-align: left; margin-bottom: 1.5rem; }
.ty-steps h4 { font-family: var(--font-display); color: var(--green-600); margin-bottom: 0.75rem; }
.ty-steps ol { padding-left: 1.25rem; display: flex; flex-direction: column; gap: 0.4rem; font-size: 0.92rem; color: var(--gray-600); }

/* ============================================================
   LEGAL PAGES (Privacy / Terms)
   ============================================================ */
.legal-hero { background: var(--gray-100); padding: 3rem 0; border-bottom: 1.5px solid var(--gray-200); }
.legal-hero h1 { font-family: var(--font-display); font-size: 2.2rem; }
.legal-body { max-width: 820px; margin: 0 auto; padding: 3rem 1.5rem 5rem; }
.legal-body h2 { font-family: var(--font-display); font-size: 1.5rem; margin: 2rem 0 0.75rem; color: var(--charcoal); }
.legal-body p, .legal-body li { font-size: 0.95rem; color: var(--gray-600); line-height: 1.8; margin-bottom: 0.75rem; }
.legal-body ul, .legal-body ol { padding-left: 1.5rem; margin-bottom: 1rem; }
.legal-body strong { color: var(--charcoal); }

/* ============================================================
   UTILITIES & ANIMATIONS
   ============================================================ */
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); border: 0; }
.text-center { text-align: center; }
.mt-1 { margin-top: 0.5rem; }
.mt-2 { margin-top: 1rem; }

/* Reduced motion */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
}

/* ============================================================
   OTP STEP STYLES
   ============================================================ */
.otp-phone-display {
  background: var(--green-50);
  border: 1.5px solid var(--green-100);
  border-radius: var(--radius-md);
  padding: 0.85rem 1.1rem;
  margin-bottom: 1.25rem;
  font-size: 0.95rem;
  color: var(--charcoal);
}
.otp-phone-display strong { color: var(--green-600); }

#otpCodeGroup input {
  font-size: 1.5rem;
  letter-spacing: 0.35em;
  text-align: center;
  font-weight: 800;
}

.otp-resend-link {
  margin-top: 0.5rem;
  background: none;
  border: none;
  color: var(--blue-500);
  font-size: 0.85rem;
  font-weight: 700;
  cursor: pointer;
  text-decoration: underline;
  padding: 0;
  font-family: var(--font-body);
}
.otp-resend-link:hover { color: var(--blue-600); }

.form-msg.success {
  background: var(--green-100);
  color: var(--green-600);
  display: block;
}